women with know how april 2014 issue

APRIL 2014

My Spouse amp IJust Separated Now what do I do

What MakesYour Business

Unique amp Results DifferentJudy Rose

Athletic DirectorUniversity of NorthCarolina Charlotte

4 Connect And Grow With Women In Our Community

April 8th is Equal Pay Day - celebrated in April because April symbolizes the

month when womenrsquos wages catch up to menrsquos - from the previous year

On Equal Pay Day advocates for working women around the country mobilize their communities by holding press conferences signing proclamations hosting events and meeting with policymakers to push for stronger state and feder-al equal pay laws Women working full-time year round make on average 77 cents for every dollar a male earns African American women earned 675 percent Asian American women earned 90 percent and Hispanic women earned 577 percentOver a lifetime of work this loss adds up into a shockingly high career wage gap The career gap lowers womenrsquos earnings over a lifetime and reduces their long-term assets and that of their families The typical woman loses $431000 in pay over a 40-year career Wage disparity persists across all educational levels and in all states Women with the most education lose the most in earnings Women with a college degree or higher lose $713000 over a 40-year period versus a $270000 loss for women who did not finish high school In 2009 the Lilly Ledbetter Fair Pay Act was signed into law which amends the Civil Rights Act of 1964 stating that the 180-day Statute of Limitations for filing an equal-pay lawsuit regarding pay discrimination resets with each new discriminatory paycheckNow we must pass The Paycheck Fairness Act which will strengthen the Equal Pay Act by closing loopholes and improv-ing the laws effectiveness Congress came close to passing the Paycheck Fairness Act in the 111th Congress however it unfortu-nately failed in the Senate by a very small margin in December 2010 Wear RED on Tuesday April 8th and letrsquos all continue to change the wage gap for all womenHave a great month Happy Easter and Passover to our readers observing these holidays

Mimi

DMimi ZelmanPublisher

Dear Readers

wwwwomenwithknowhowcom APRIL 2014 5

14 What Makes Your Business Unique amp Results Different

24 Judy Rose Athletic Director UNC Charlotte

38 My Spouse amp I Just Separated Now What Do I Do

34

8

6

PublisherPresident Mimi L Zelman

mimiwomenwithknowhowcom

Creative DirectorRebecca Fairchild

wwwfacebookcomAzureDoorCreative

Contributing Writers Terri Bennett

Karen S Boardman EsqElyshia Brook

For more advertising information call Mimi at 704-491-1207

or email her atmimiwomenwithknowhowcom

Copyright copy 2014

Con

tent

s

On the cover

Judy Rose

20

10

30


To Our Sponsors Thank You

The Third Annual

Makingan

ImpactConference for Women

March 28t h 2014a t

T h e D o u b l et r ee H o t e l

C h a r l o t t e N o r t h C a ro l i n a

Makingan


March 28t h 2014a t



Left to right Leona LaPerriere and Sarah Batista featured speakers Mimi Zelman PresidentPublisherWomen with Know How magazine BB Webb and Mara Campolungo featured speakers



Dr Vincent VociVoci Center


Searching for the

Safest Sunscreen

makers of sunscreen that by this June some of the claims on their packag-ing needed to be revised However while you wil l see many changes now that deadl ine has recent ly been pushed back to December because of sunscreen shortage con-cerns The new guidelines will force manufacturers to stop claiming that their sunscreen is sweatproof or waterproof That rsquos because those c la ims inf luenced peoplersquos deci-sions to not reapply sunscreen after gett ing in the water Also prod-ucts labeled ldquoBroad Spectrumrdquo must meet the FDArsquos standards for pro-tecting against both types of ultra-violet rays UVA and UVB Anti-aging products will also have to be ldquoBroad Spectrumrdquo with a Sun Protection Factor (SPF) of at least 15

Now while these changes to the outside of the sunscreen package

w i l l h e l p c o n -sumers the FDA is not requir ing changes to deal with the poten-t i a l l y d a n g e r -ous ingredients found inside the bottle and thatrsquos what worries me the most I f you look at the label o f m o s t s u n -s c r e e n s y o u rsquo l l

One of the best parts of the summer for me is hitting the lake with family and friends I

love relaxing on the water and feeling the sun on my skin What I donrsquot love is jumping through hurdles to find the safest sun-screen among all the different varieties on store shelves This year though sunscreen manu-facturers are required to make a few important changes to their sunscreen labels While these changes will help you Do Your Part to make the healthiest sun-screen choice for your family ndash therersquos still plenty of homework for you to do

L e t rsquos s t a r t w i t h t h e l a b e l changes Last year the Federal Drug Administration (FDA) informed the

goin

g gr

een

goin

g gr

een By Terri Bennett


see oxybenzone listed as an active i n gre d i e nt H e rersquos t h e p ro b l e m Once absorbed into the skin oxy-benzone can be easily converted to free radicals when exposed to sun-light Those free radicals in our skin can lead to everything from wrinkles to cancer

Your best option is to find sun-screen without oxybenzone Mineral based sunscreen containing zinc oxide and titanium dioxide provide power ful protection without the health concerns However finding these safer sunscreens takes a little work When I went shopping for sun-screen a few weeks ago I checked dozens of bottles before I found one without oxybenzone And one word

of warning donrsquot be tempted by the new spray and powder sunscreen options As you apply the particles can easily get into your lungs

So how can you find the right sun-screen for you The Environmental Work ing Group makes i t easy at wwwewgorg Each year they update their database where you can search by specific brand name to see how it rates You can even download a free app to make it super simple to check specific sunscreen while yoursquore shopping

A little extra work will help you Do Your Part to keep your family safe in the hot summer sunwwwdoyourpartcomgreen-livingsearching-for-the-safest-sunscreen

7930-D REA RD 28277 (CORNER OF REA RD amp BALLANTYNE COMMONS PKWY)

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Not valid with other offers or prior purchases Other services and products may apply

A B O U T I Q U E V E T A T A F F O R D A B L E P R I C E S

EntrepreneursNeed a Business-First

Banking Mentality


busin

ess fi

nanc

e

TD Bank survey found that more than 40 percent of small business owners are using the same account for business and personal use

A n i m p o r t a n t f i r s t s t e p i s t o u n d e r stand the distinc tions b e t w e e n a b u s i n e s s c h e c k i n g account and a personal check-ing account and why the former is a safer bet for your business Business checking accounts allow small business owners to

Manage your cash flow better S m a l l b u s i n e s s o w n e r s h a v e better cash flow management and more advanced payment capabil-ities when they choose business banking over personal banking for business

Build your business brand Having a business checking or busi-ness debit card with your company name on it can help establish an identity around your business Also customers might feel more com-fortable writing a check to a busi-ness instead of a personal account ndash it feels more professional

Owning a home-based small business offers u n d e n i a b l e p e r k s ndash f lexible hours the

a b i l i t y t o c o n t r o l y o u r o w n professional destiny even the option to work in your jammies if the mood strikes But many first-time business owners operating out of the home underestimate important aspects of operating your own company ndash especially when it comes to finances

W h e t h e r y o u rsquor e f u n d i n g a startup or sustaining an existing enterprise money management is a critical aspect of successfully running your home-based busi-ness However many first-time entrepreneurs make the mistake of treating their home business finances similarly to their personal accounts In the long run this can be a costly mistake according to Jay DesMar teau head of small business at TD Bank

C h e c k i n g a cco u nt s a re t h e most popular financial products for small businesses but a recent


Simplify your accounting and bookkeeping Having a personal checking account and using it for your small business means you arenrsquot separating your business and personal finances And that can make accounting and book-keeping more complicated

In many cases business accounts also afford a different level of pro-tection and security than personal checking accounts ldquoSmall business owners take on riskrdquo DesMarteau said ldquoA small business owner has better business fraud control when they use a business check ing account compared with a personal checking accountrdquo

Choosing the right bank can also help you effectively manage the money side of your home-based business

The vast majority of small busi-ness owners (74 percent accord-ing to one of TD Bankrsquos local Small Business Pulse Check surveys) rely on lines of credit for expenses such as product or equipment costs rent and marketing Selecting a bank that offers diverse account options bringing you the whole bank including business checking and lines of credit as well as loans savings and credit options can prepare you to tackle any number of financial scenarios that arise as you build your business

W i t h p r o p e r f i n a n c i a l g u i d -ance and a strong banking partner s m a l l b u s i n e s s owners can con-fidently focus on b r i n g i n g t h e i r entrepreneurial visions to life

For additional i n fo r m a t i o n t o help assess your s m a l l b u s i n e s s bank ing needs v i s i t w w w tdbankcomPhoto courtesy of Getty Images


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Kincaid amp Associates PLLC provides exceptional personalized legal representation to our clients in

Business Contract Finance Taxation Intellectual property Estate planning

Mitzi Kincaid - Attorney at Lawmkincaidkincaidandassociatescom

Karen Boardman - Attorney at Lawkboardmankincaidandassociatescom

We oer reasonable rates and prompt communications with a spirit of cooperation and eciency 8664355971 wwwkincaidandassociatescom

3419 Toringdon Way Suite 104 bull Charlotte NC 28277 bull Mention The Golf Connection For a Free Flexibility Evaluation

Call Today 7045448881wwwzitelfamilychiropracticcomDr Jeff Zitel Palmer GraduateMember NC Chiropractic Association

Four Fundamental Causes of Golf Injuries1 Poor Posture2 Poor Flexibility3 Poor Motor Control4 Poor Swing Mechanics

I work on these every day in my officeLet me help keep you injury-free amp golfing

about just a transaction The rela-tionships are more about what does the client want and need then how to make the product or service to satisfy the client When there is more focus on building a relationship that are truly authentic with the thought of actually creating an experience Relationships are supposed to be nurtured and engaging and should be enhancing some characteristic that you come to that relationship to learn When you are looking for a Unique Selling Proposition you may look at your Relationship Marketing Strategy and how that may differ from others and what you bring to your divine client

Relationships Marketing is looking at the total experience satisfaction customer retention and the various communication channels platforms and frameworks that are not intru-sive in nature The center of your marketing should be around your divine clients because that is what will bring in the meaningful profits and as long as they are experiencing

OOver the years marketing and b ra n d i n g h ave c h a n g e d a n d that is because the consumers have changed In the early years marketing was geared toward the masses The thought was ldquoIf we make it then customers will purchaserdquo Therefore there was mass produc tion of produc ts but that became too expensive and wasteful because everyone did not like the same things so then making customized prod-ucts became the way to go Then there was strategic planning and designing which is a process around the assets functional areas and other opportunities that to provide face-to-face mar-keting We have seen the market go from consultative to transac-tional to strategic planning and now we are in the Relationship Strategy of marketing

Relationship marketing now is

about establishing relationships that are more focused and not pretentious


By Elyshia Brooks MBAWhat MakesYour Business Uniqueamp Results Different

marketin

g


what you are offering you are authen-tically and extraordinarily serving Remember customers only purchase from you once but your divine clients frequently and repeatedly purchase from you so what you do to keep them engaged is very important Keeping them engaged in the total experience is what is important especially now with social media platforms Internet and mobile marketing channels Relationship marketing really does go way beyond just knowing what their demographics are but actually developing a relationship

When you are engaging your m a r k e t yo u a re l o o k i n g at t h e inbound marketing that includes interaction so that they begin to know you more intimately than on the sur face because as you build your brand you must become more intent iona l about com m unicat-ing with your clients It means that with technology has taken over the way that we all communicate going forward and it provides organization and processes that would allow you to stay connected and that gives you many opportunities to share with them exactly who you are and that gives you the open door to be totally authentic and genuinely connect with each client The communica-tions activities are what keep the client engaged with your programs teleseminars or any events that you may have planned not to mention contests You would need to think

outside of the box and become dif-ferent in your approach now that you have technology at your fin-gertips Let rsquos look at some possi-ble Relationship Building Channels that would keep your divine clients engaged but being unique in the approach is up to you because you bring your authentic self personal-ity and your unique story in which they connect with There are a few channels that allow you to engage w i t h t h e m a n d b u i l d g e n u i n e relationships

bull Social Mediabull eNewsletters bull Seminars Workshops Trade Shows bull Speaking Engagements bull Community Eventsbull Charitable Donations bull Referral Programs bull Teleseminars amp Webinars bull Alliances with Other Businesses

These are just a few because how you build your relationship market-ing strategy should include what you are comfortable with and capable to maintaining Although it is a good practice to have at least a minimum of ten channels going on at the same time for effective lead generations But this must be done with the inten-tions of being different and unique to grab your divine clientrsquos attention The strategy has to be effective and strong to have a call to action that would warrant a relationship


Unique Selling PositioningYour Unique Selling Positioning

(USP) is ultimately how your divine clients define you in relation with your competitors and what their perceptions of your particular brand are Their perception is key to your brand positioning and how it is com-municated above your competitor It really is your own unique expression of what your brand stands for and how it relates to the customer based on the positioning levels values benefits and attributes Your posi-tioning has to be unique and stand out enough where it is distinct in and of itself The brand and the selling positioning should have value to the target clients and they should imme-diately know what differentiates you from the rest

Yo u r p o s i t i o n i n g s h o u l d b e intended for the client to have obvious value in your product or service The value is what they will receive such as the benefits that will exceed the cost of your offer It outweighs what you are selling it for They have found that your product or service is too valuable to pass up and then benefits are too great to look over Your bene-fits are the usefulness of the product or service based on the attributes or features that the product offers The unique characteristics such as options features brand name product and package design and ultimately the quality of the product or service are the attributes When designing your

Unique Selling Positioning you would need to be aware of what makes you different from the others or if someone were to copy you what would they need to do to become totally different It begins with knowing your product and service inside and out so inti-mately so that you can always improve if need be Find out what makes you unique and upsell that benefit

When you are building your brand you must know that how you position it is key to your distinction The posi-tioning of a brand results in a value proposition being presented to the target market and how it is received is based on perception and relevance There are three types of positioning

Symbolic Position is based on the characteristics of the brands that enhance the self-esteem of your divine clients An example of a dermatologist who enhances physical appearance

Experimental Position is based on the characteristics of the brands that stimulate sensory or emotional connections with divine clients An example a coach seeing the feeling of an Aha moment and joy from a client

Functional Position is the based on the attributes of products and services and their corresponding benefits and is intended to commu-nicate how divine clients solve their problems or fulfill their needs An example high value

When you know your value and your position in your specific field you are able to see what is valuable



to your divine clients Letrsquos take a look at what you should be asking your clients so that you can main-tain your value and continue to enhance it

When you are in business as an owner and entrepreneur one s h o u l d a l ways l o o k fo r ways to better enhance ways to keep the value meaningful and you do that by asking questions of your clients and doing surveys that give insight on what they want and need offered You can start by asking

What is the true value that you are receiving from me that keeps us working together

What is it that you really appreci-ate about my services or products

W h a t w o u l d y o u s a y a r e m y strengths in how I serve you

Do you think that I go beyond my call to serve you or do you feel it could be better

You have to be willing to ask the hard questions even if you donrsquot want to hear the answers because that is what it is going to take to serve beyond mediocrity and into excellence When you as you clients the hard questions your clients will believe that you do care about how you serve and what you offer is of value Then because they know that

you care they would be more willing to provide referrals and eventu-ally grow your business There are great benefits in asking your clients because you can receive testimoni-als for your marketing collateral and website It would behoove you to ask the questions that are going to impactful and provide more quality to your ser vice As a soulful and heart-centered entrepreneur and business owner you should always be in creative mode that comes straight from the soul because that is where you find a deeper connec-tion to serving your divine clients There is VALUE that you bring that is different from others and why they want to work with you there-fore obtaining feedback from them is valuable to you So listen to the feedback with judge free awareness and do not stay attached to the outcome or the feedback to where you judge yourself Look at it as positive ways grow your business without offense What are some values that stand out for you that you connect with and that others will connect with as well Consider hellipto name a few

Elyshia Brooks MBACEOPresidentElyshia Brooks International IncPersonal Authentic Branding CoachsultantAuthor ldquoBranding The Authentic YourdquoPhone 800-511-5410wwwfacebookcomElyshiaBrooksInc


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M o n d a y S t a r t t h e W e e k Strong ndash K ick off the week with a m e d i c i n e b a l l wo r k o u t w h i c h i s a g r e a t w a y t o w o r k v a r i o u s m u s c l e s a l l at o n ce Tr y u s i n g a medicine ball with exercises that yoursquore already familiar with such as push-ups lunges or squats or l o o k u p d e m o v i d e o s o n l i n e t o learn some new ways to use the medicine ball

Tuesday Turn it Up ndash Running is a great form of exercise but it rsquos impor tant to mix up your cardio workouts to help prevent in jur y and become stronger overall Grab your fr iends and tr y a cardio -fo -cused class such as Zumba

I f kicking off a life-chang-ing fitness and nutrition program seems daunting try taking smaller steps to

make it feel more manageable

Knowing just where to start can be the biggest hurdle but once yoursquore on your way yoursquol l f ind yourself on the path to new healthy habits before you know it Breaking down a whole new lifestyle into week-by-week chunks will not only let you ease in gradually but also allow you to make meaningful changes right from the start

Begin by charting out a week-long plan that will make you more con-scious of how you approach important elements of your program including muscle toning cardio and making nutritious food choices Herersquos a five-day schedule to get you started

Five Days to a Fitter HealthierYou


Wednesday Spruce Up Your Fruit ndash Working out is key to keeping fit but so is maintaining a healthy diet When shopping for snacks make smart choices that taste deli-cious such as Dole Fruit in Jars which provide five servings of all natural fresh fruit Try pairing with Daisy Cottage Cheese to spruce up your fruit for a tasty parfait Simply combine Dole Sliced Peaches Daisy Low Fat Cottage Cheese and sliced almonds in a small bowl then drizzle with honey and enjoy

T h u r s d a y M u l t i - t a s k ndash Just because yoursquore catching up on your favorite TV show doesnrsquot mean you canrsquot work out Clear some space

between the couch and TV so you can watch while you do push-ups crunches jumping jacks and squats For extra motivation leave your fitness tools near the television as a daily reminder

Friday Give Yourself a Star ndash Gold stars arenrsquot just for classrooms At the end of the week mark each day that you exercised with a star on your cal-endar Whether you went for a run hit the gym or went for a walk with friends the calendar will be a visual reminder of how often yoursquove been working out and will encourage you to keep going

Remember setting a long-term goal such as running a marathon or dropping two dress sizes can help keep you motivated over time but also remember to celebrate your first mile run or your first five-pound loss Keep tackling your new program one week at a time and your goals will easily become reality

Visit wwwdolecom for additional snacking ideas to get you on your way to a healthier you

Photo courtesy of Getty Images

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wwwwomenwithknowhowcom APRIL 2014

Registration is now open for our own 9th Annual Festa Italiana Charlotte

Click Here to Register

for Early Bird Ticket discounted rates to Charlottes finest Italian food and cultural festival

Sunday May 18 2014 1pm-7pm

Add to Calendar 1900 Selwyn Avenue Charlotte NC 28207

All the Delicious Italian Food and Beverage Included in your one admission donation

and Its all for Charity Proceeds go directly to the Nevins Center

creating opportunities for people with disabilities Click Here for Early Bird Registration










Kim Fewell1230 Charlottetowne AveCharlotteKimFewellallstatecom

Call me today to see how muchyou could save with Allstatersquoshome amp auto discounts(980) 875-9385

Discount and insurance offered only with select companies and subject to availability and qualifications Discount amount may be lower Allstate Indemnity - Private Passenger Auto Allstate Property and Casualty Insurance Company Allstate Indemnity Company Northbrook IL copy 2009 Allstate Insurance Company

H and was the assistant Basketball coach under the famous Pat Summit

After graduating with my mas-terrsquos degree I accepted a job at UNC Charlotte as the first Womenrsquos Basketball Coach and Tennis coach I also taught a class each semester and supervised lifeguards

In 1990 I was named Athletic Director

Tell us about your programs and events for women

We currently have 8 spor ts for


by Mimi Zelman

How did you get started I was what one called a ldquotomboyrdquo in my youth Today that

term is no longer used I loved sports and was a participanthellip not a spectator I enjoyed physical activity and was very competitive (still am) I played basketball from 7th-12th grades and was captain of the team every year I played in college and was captain of the team for 3 years Upon graduating from Winthrop College in 1974 I attended Graduate School at the University of Tennessee

Director of AthleticsUNC Charlotte

Judy Rose


programs We have dynamic speakers and there is no fee to attend but attend-ees know they are expected to write a check when they leave Last year we celebrated our 10th anniversary and we broke the $1million mark cumulatively Last yearrsquos event netted over $194000

How has your prior career experi-ences prepared you for your journey in life

I f irmly believe that just about everything we experience good or

womenhellipbasketball volleyball tennis soccer softball cross country indoor and outdoor track and field

With the addition of football as a new menrsquos sport we will add 2-3 new womenrsquos sports over the next 10 years The first sport we are considering is golf

A huge event we sponsor is a lun-cheon entitled ldquoLet Me Playrdquo It is a fund-raiser primarily attended by women but more and more men are coming as well The intent is to raise awareness and money for our womenrsquos Athletic

25


I actually lead the Athletics enter-pr ise as I lead my personal l i fe I bel ieve so strongly in running an ethical program Do the right thing even when it can be harmful in the short term Treat people the way you would like to be treated and care for your employees as if they are family because they actually are family they are your work family Value their opin-ions and treat them all with respect

Who would you describe as your mentor(s) and why

I have had so many wonder ful mentors First my parents were both wonderful role models who taught me my core values I have had coaches that I played for who set wonderful

bad prepares us for what lies ahead It is all about what we learn and then what we do with what we learned Have I made mistakeshellipYES Did I learn from themhellipYes

What would you most like our readers to know about your journey in business In life

Early in my career I never really thought of sports being a businesshellipthat was when I was coaching When I became an administrator I quickly changed my thought process Sports is not only a business it is big busi-ness I think about every decision I make from a business viewpoint Do we have the right business model is it sustainable affordable and so on


e x a m p l e s I t o o k t h e g o o d things from each coach or leader that I have had a n d i t h e l p e d me develop my own leadership philosophy

I l e a r n e d that mentors do not have to be gender specif ic I have had both male and female role models and valued so much from the expertise and life lessons they provided Dale Halton Mariam Cannon Hayes Pat Rodgers Mattye Silverman Irwin Belk CM Newton Delos Dodds Jim Woodward There are many more but these all come to mind as being special in addition to my former coaches

Whatrsquos on your bucket list and whyI w o u l d l i k e t o p l a y g o l f w e l l

enough to enjoy it so that when-ever I re t i re that i t i s someth ing t h a t m y h u s b a n d a n d I c a n d o t o g e t h e r w h e t h e r a t h o m e o r when we travel

I would l ike to take a tr ip to the Canadian Rock ies

Spend more qua l i t y t ime wi th my fami ly and chi ldhood f r iends My job is 247 and I feel that I miss out on some things with family helliphave some catching up to do

Any difficult times yoursquod care to share with our readers And if so what lesson have you learned

My mother died at an early age (46) I am from a large family 5 sib-lings I was a young teenager when my Mom passed and it was devas-tating to me The 3 youngest chil-dren inc luding me had to grow up qu ick ly as we had to assume responsibi l it ies most k ids our age d id not We learned va luable l i fe lessons ear ly We matured much faster than our fr iends because we had to We did all the shopping and cooking We made mistakes but my dad was great at just letting those mistakes be teachable moments

C h e r i s h a n d v a l u e t h o s e y o u care about and above al l let them k n o w h o w s p e c i a l t h e y a r e t o you You never know when these special people wil l no longer be in your l i fe


If you could do one thing differ-ently in your life what would that be

I wish I had met my husband Ken sooner He truly is the love of my life my soul mate and my best friend He makes me a better person

What do you wish you knew 20 years ago

I wish I had been a l i t t le more persistent in trying to convince the university administration to add the sport of football since football has been the driving force in conference realignment Football has enhanced the branding of both the university and the athletic program

What is something people would be surprised to know about you

I am a pretty good southern cook and that I believe wine is not just for special occasions

What inspires you What makes you laugh

I am inspired by the generosity of people in regard to meeting the finan-cial unmet needs of our community The philanthropy of taking care of those less fortunate is so critical and seeing what others do should inspire all of us to participate in helping to improve the lives of those in need What makes me laugh are truly ldquocorny


jokesrdquo Also I love rehashing stories with old friendshellipthe stories that stay ldquojust among friendsrdquo

29

If you could stand up and defend anything what would it be

The prevention of abusive behav-i o r a g a i n s t c h i l d r e n a n d a l s o t h e p re -v e n t i o n o f domest ic v io-lence Children a r e d e f e n s e -less and the y need a strong support system s o t h e y h a v e a c h a n c e i n life Domestic Violence needs o u r a t te n t i o n a s w e l l w i t h more suppor t t h ro u g h e d u -c a t i o n a n d counsel ing to help these indi-viduals learn to become strong enough to start a new life


Take time to understand yourself Digging deep to understand your true passions may help reveal a new more fulfilling path in life whether it be in the form of new hobbies or even a new career If yoursquore not sure where to start begin by making a running list of situations which capture your attention such as news articles or engaging conversations Over time look for patterns to emerge Topics or themes rising to the top could signal a special interest you may have overlooked in the past

Nur ture va luable re lat ionships Knowing (and loving) yourself comes first but having a strong support system is also important for overall wellbeing While itrsquos important for women to surround them-selves with people who will boost them up that boost doesnrsquot always have to come from another woman When they need a good laugh 59 percent of women in the Great Grains survey said they turn to their significant other Investing time to strengthen your personal connections improves not only the health of those relationships but the effects of those relationships on your physical health as wellWhile charting a new path may seem daunting focusing on your physical and mental health as you work to introduce change into your life can smooth the way to reinventing a better and brighter you

F o r m o r e i n f o r -m a t i o n v i s i t w w wgreatgra ins com

Aging gracefully is as much about feeling good on the inside as feeling good on the outside Itrsquos never too late to make changes to reinvent yourself and maximize your mental and physical wellbeing

Self-improvement is at the top of many womenrsquos to-do lists and doing so can take many forms According to a recent survey by Post Great Grains Cereal 73 percent of women said theyrsquod reinvented themselves since they turned 40 by improving their health finding a new passion or changing their career

Eighty-three percent of survey par-ticipants (women ages 40-plus) think the greatest obstacle to reaching their full potential is what they think of them-selves rather than what others think of them Follow these tips to become your own best friend and take steps toward creating a happier healthier you

Give proper attention to your diet A strong common form of reinvention is improving your eating habits A bal-anced diet that promotes a healthy digestive system is an important step in creating a healthier you Starting each day with a nutritious breakfast is one easy change Fill your menu with nutri-tion you can see and wholesome ingre-dients such as those in Great Grains Digestive Blend cereals which have active cultures in addition to whole grains and natural fiber

Change Up Your Routine

heal

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wwwdfspowerwalkorgcharlotte2014

May 17 2014 at Freedom Park Registration begins at 800am

Currently seeking sponsors walk

teams and swaggerers For more information please contact Dress for Success Charlotte at (704)

525-7706 or visit us at

2014 Power Walk Global Ambassador Bethenny Frankel

To benefit

fam

ily Grill Up an Incredible Steak T-bones mdash theBest of BothWorlds

tender cut with a mild beef flavor On the other side of the T-bone is the strip loin or New York strip a firm robust steak that is naturally marbled and offers a bold taste The bone itself also provides additional flavor in the cooking process With this pairing of tastes it is no surprise that the T-bone is considered to be ldquothe best of both worldsrdquo by steak connoisseurs

Q uite possibly the ulti-mate steak the T-bone e m b o d i e s t h e r i c h blend of varied beef

flavors that steak lovers crave from tender and mild to bold and beefy On one side of the T-bone is the filet mignon

French for ldquodainty filletrdquo the filet mignon is cons idered the most


Ten Tips for Perfect Grilling1 Clean and preheat your grill on high2 Lightly oil everything before you put it on the grill This helps the searing process and prevents sticking3 Season your food before grilling4 Sear the outside of steaks when grilling This really helps with the flavor and juiciness5 Use tongs or a spatula to turn your meat on the grill Using a fork can damage the meat6 Cover your grill as much as possible during the grilling process This helps to lock in the grilled flavor and will help prevent flare-ups7 Keep a spray bottle with water handy to douse any unexpected flare-ups8 Use the 6040 grilling method Grill for 60 percent of the time on the first side then grill 40 percent of the time after you turn over the food This will give you an evenly cooked product9 Place your cooked product on a clean plate Never place cooked product on the plate you used to transport the raw product to the grill without thoroughly washing it first10 Allow your foods to ldquorestrdquo for 5 minutes between cooking and eating This will helpthem retain moisture when you cut into them For more steak recipes visitwwwOmahaSteakscom

Ancho Chile Rubbed Grilled T-BonesPrep 5 minutes Cook 10 minutes Serves 4

Ingredients4 Omaha Steaks T-bone steaks2 Tablespoons olive oil4 Tablespoons Ancho Chile Rub (recipe)12 Tri-color sweet baby peppers grilled

DirectionsPreheat grill to medium Thaw and blot dry steaks Brush steaks with olive oil Generously cover both sides of steaks with Ancho Chile Rub by dipping them in rub Continue until steaks are com-pletely covered Place steaks on heated grill and grill to desired doneness (For a medium-rare steak grill approximately 8 minutes on first side and 6 to 7 minutes on second side) Remove steaks from grill and garnish with grilled tri-colored sweet baby peppers

35wwwwomenwithknowhowcom APRIL 2014

Ancho Chile Rub Makes 4 tablespoons

Ingredients1 Tablespoon smoked paprika2 teaspoons sea salt2 Tablespoons ancho chile powder1 teaspoon brown sugarCombine all ingredients and mix well

Grilled T-Bones with Tabasco ampRoquefort Cheese ButterPrep 4 hrs 15 minCook 15 minutes Serves 4

Ingredients4 Omaha Steaks T-bone Steaks Omaha Steaks All Natural Steak Seasoning or salt and pepper to taste4 slices (1 12-inch coins) Tabasco and Roquefort Cheese Butter (recipe)2 Tablespoons minced chives(continued next page)

fam

ily(cont) Grill Up anIncredible Steak T-bonesmdash the Best ofBothWorldsDirectionsThaw steaks overnight in refrigerator or quick thaw by placing sealed steaks in sink with water for approximately one hour Preheat grill to medium Season both sides of steaks with seasoning or salt and pep-per Grill steaks to desired doneness Just before removing steaks from grill place butter slice on each steak The idea is to have butter half melted on top as you are serving steaks Garnish each steak with sprinkle of minced chives

Tabasco and Roquefort Cheese Butter4 Ounces unsalted butter softened4 Ounces Roquefort blue cheese crum-bled3 Tablespoons Tabasco sauce14 Cup fresh chives minced2 Tablespoons fresh garlic minced1 roasted red pepper peeled seeded diced1 teaspoon kosher salt

DirectionsWhip butter slightly Add remaining ingre-dients Mix well Transfer mixture to sheet of parchment paper Roll into 1 12-inch diamtube Twist paper at the ends Refrig-erate 4 to 6 hours When ready to serve slice into coins as needed Store unused butter in refrigerator for up to one week

Roasted Pepper Pesto RubbedGrilled T-BonesPrep 30 min Cook 15 minServes 4

Ingredients4 Omaha Steaks T-bone steaks2 Tablespoons olive oil14 Cup Omaha Steaks Private Reserve Sea-soning or salt and pepper1 Recipe Roasted Pepper Pesto (recipe)4 fresh basil sprigsDirectionsPreheat grill to medium Brush steaks with olive oil and season with seasoning or salt and pepper Brush both sides of steaks with Roasted Pepper Pesto Place steaks on grill and cook to desired doneness (For a medium-rare steak about 8 minutes on first side and 6 to 7 min-utes on second side) When steaks are finished brush both sides one final time with pesto Serve steaks with dollop of unused pesto in cen-ter of each and garnish with fresh basil sprig

Roasted Pepper PestoMakes approximately 2 cups1 Cup roasted red peppers peel seed amp chop14 Cup garlic cloves peeled12 Cup pine nuts toasted2 Tablespoons fresh basil chopped1 teaspoon kosher salt14 teaspoon cayenne pepper1 Cup Parmesan cheese grated1 Tablespoon lemon juice12 Cup olive oil

Combine all ingredients except olive oil in food processor or blender and puree until smooth Next add oil slowly in food processor until com-pletely combined


My Spouse amp I Just Separated Now What Do I Do

credit card statements paycheck stubs and any other document which shows financial details You also want to be sure to document the tangible assets that you have such as vehicles and household goods ndash an easy way to do that is to take photographs or video of the inside of the home Without this information neither you nor your attorney can determine whether the proposed distribution of assets and debts or the proposal for financial support is reasonable

3 Do not simply accept what your spouse tells you about the law or about the fairness of any proposed agreement do not let your spouse be the only one with an attorney Regardless of what your spouse says to you about the fairness of his proposal or the potential savings in attorney fees that will result from using only one attorney do not sign anything without speaking with an attorney One attor-ney cannot represent both you and your spouse If your spouse has had an attorney draft documents that attor-ney represents your spouse and will have drafted those documents in your spousersquos best interests Your spousersquos


I t is an unfortunate reality that a high percentage of marriages end in divorce Whether the process is ini-

tiated by you by your spouse or is a joint decision and whether you see it coming or you are blindsided by a request from your spouse there are things that you can do to help make the process less difficult from a legal perspective

1 Have a consultation with a Family Law Attorney Most folks who are not family law attorneys do not understand the ins and outs of the relevant laws and there is no reason for them to Whether you are going to utilize the services of an attorney going forward a consultation can help you understand the relevant laws understand your rights and responsi-bilities and get an idea of what a rea-sonable outcome looks like

2 Have a good understanding of

the assets debts and monthly cash flow Gather copies of bank state-ments retirement account statements

By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

DIVORCELicensed in NC amp SC

bull Complex Family Law Litigation

bull Certified Financial Mediator

bull Certified Superior Court Mediator

bull Certified Specialist in Family Law

Avoid Costly Legal Bills thru MediationThere can be a significant cost savings for both parties when they decideto mediate rather than litigate a case We are committed to saving youmoney that can be much better spent towards a personrsquos or familyrsquos future

704-556-0707 bull kruschlawcom(located in the heart of Southpark)

Two Fairview Center6230 Fairview Road Suite 105

Charlotte North Carolina 28210

attorney cannot give you any legal advice so without speaking with an attorney of your own you will have no way of knowing whether your spousersquos proposal is reasonable under North Carolina law

4 Do not take legal advice from family and friends Your well-mean-ing family and friends may offer you advice about your case but frequently such advice is not accurate The facts surrounding your marriage divorce children and property are unique and different from any other case The only thing your divorce and your cousinrsquos divorce may have in common is that you and your cousin are related to each other

5 Be careful with social media Assume that everything you post on Facebook Twitter Instagram etc will be seen by your spouse your spousersquos attor-ney and a judge It may be tempting to vent online about your spouse but a judge may not see it as harmless

6 Change your passwords Whether you think your spouse knows your passwords or not change them all and change them to something that is not easy to guess Just about any-thing you access online or by phone has a password these days ndash besides email there is voice mail banking web-sites any online merchant your cell phone your computer your tablet online bill paying social media credit card accounts and even a password to an app that saves all of your pass-words Thank about what an identity thief could do if they knew all of your passwords ndash thatrsquos pretty much what an angry or vindictive estranged spouse could do

While this is by no means an exhaus-

tive list these are some good first steps to help relieve some of the stress that inevitably accompanies any separation and divorce and to help protect you during the process

Rebecca K WattsNC Board Certified Specialist in Family LawDRC Certified Family Financial MediatorKrusch and Sellers PATwo Fairview Road Ste 105 bull Charlotte NC 28210Phone 704-556-0707 bull Direct Line 704-412-9103 wwwkruschlawcom

SAVE THE DATES

Early 2014 Calendar of Events

If you would like to learn more about the NDC Carolinasrsquo Diversity Councilrsquos chapter meetings events or leadership opportunities please contact us at

infondccarolinasorg

Women in Leadership Symposium

March 4th Charlotte Omni Hotel

Charlotte NC

Monthly Leadership Meetings

middot Triangle Advisory Board First Thursday from 1-2middot Charlotte Advisory Board Second Monday from 10-11middot Board of Directors Third Tuesday from 2-3middot Wilmington Advisory Board Fourth Tuesday from 3-4

Charlotte Social MixersFebruary and May 2014

BlackFinn Saloon Charlotte NC

Triangle Social MixersMarch June September

December 2014

Healthcare Diversity SummitApril 23rd

Greenville Convention CenterGreenville NC

Generational Diversity Summit

February 19th Marbles Kids Museum

Raleigh NC

Diversity Boot Camp March 14th

Charlotte NC


April 8th is Equal Pay Day - celebrated in April because April symbolizes the

month when womenrsquos wages catch up to menrsquos - from the previous year

On Equal Pay Day advocates for working women around the country mobilize their communities by holding press conferences signing proclamations hosting events and meeting with policymakers to push for stronger state and feder-al equal pay laws Women working full-time year round make on average 77 cents for every dollar a male earns African American women earned 675 percent Asian American women earned 90 percent and Hispanic women earned 577 percentOver a lifetime of work this loss adds up into a shockingly high career wage gap The career gap lowers womenrsquos earnings over a lifetime and reduces their long-term assets and that of their families The typical woman loses $431000 in pay over a 40-year career Wage disparity persists across all educational levels and in all states Women with the most education lose the most in earnings Women with a college degree or higher lose $713000 over a 40-year period versus a $270000 loss for women who did not finish high school In 2009 the Lilly Ledbetter Fair Pay Act was signed into law which amends the Civil Rights Act of 1964 stating that the 180-day Statute of Limitations for filing an equal-pay lawsuit regarding pay discrimination resets with each new discriminatory paycheckNow we must pass The Paycheck Fairness Act which will strengthen the Equal Pay Act by closing loopholes and improv-ing the laws effectiveness Congress came close to passing the Paycheck Fairness Act in the 111th Congress however it unfortu-nately failed in the Senate by a very small margin in December 2010 Wear RED on Tuesday April 8th and letrsquos all continue to change the wage gap for all womenHave a great month Happy Easter and Passover to our readers observing these holidays

Mimi

DMimi ZelmanPublisher

Dear Readers





34

8

6









Copyright copy 2014

Con

tent

s

On the cover

Judy Rose

20

10

30



The Third Annual

Makingan


March 28t h 2014a t



Makingan


March 28t h 2014a t








Searching for the

Safest Sunscreen







goin

g gr

een

goin

g gr













Banking Mentality


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nanc

e




































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g


































Corporate Events

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alth














































by Mimi Zelman




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heal

th



7043343211









To benefit

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By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC





34

8

6









Copyright copy 2014

Con

tent

s

On the cover

Judy Rose

20

10

30



The Third Annual

Makingan


March 28t h 2014a t



Makingan


March 28t h 2014a t








Searching for the

Safest Sunscreen







goin

g gr

een

goin

g gr













Banking Mentality


busin

ess fi

nanc

e




































marketin

g


































Corporate Events

wwwsnapwerxbiz



5he

alth














































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC



The Third Annual

Makingan


March 28t h 2014a t



Makingan


March 28t h 2014a t








Searching for the

Safest Sunscreen







goin

g gr

een

goin

g gr













Banking Mentality


busin

ess fi

nanc

e




































marketin

g


































Corporate Events

wwwsnapwerxbiz



5he

alth














































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC





Searching for the

Safest Sunscreen







goin

g gr

een

goin

g gr













Banking Mentality


busin

ess fi

nanc

e




































marketin

g


































Corporate Events

wwwsnapwerxbiz



5he

alth














































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC












Banking Mentality


busin

ess fi

nanc

e




































marketin

g


































Corporate Events

wwwsnapwerxbiz



5he

alth














































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC




























marketin

g


































Corporate Events

wwwsnapwerxbiz



5he

alth














































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC


































Corporate Events

wwwsnapwerxbiz



5he

alth














































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC


5he

alth














































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







































by Mimi Zelman




Judy Rose








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC








25





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC





























29












heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC










heal

th



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC



7043343211









To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC








To benefit

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC

fam
















fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC









fam


















By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC











By Rebecca K Watts

fam

ily la

w


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC


YOU CAN SURVIVE

















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC

SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC

women with know how april 2014 issue

Documents

hispanic women

equal pay act

n o r t h c

o t te

equal pay laws

asian american women

african american women

et r ee ho t e lc h