BusinessWoman February 2014

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3

4 LETTER FROM THE EDITOR

7 PUT YOURSELF BACK IN THE DRIVER’S SEAT OF YOUR DAYTips on stretching your time to work for you.

10 REVIEWING YOUR BUSINESS INSURANCE PROGRAMNot every business does it, but every business should.

Feature

ah1 BLENDING PERSONALITY WITH FUNCTIONALITYKitchen remodeling possibilities.

ah4 FLOORING POSSIBILITIES AND THE MODERN HOMEOWNERMore options mean there is no limit to what you can do with a great floor.

14 IF DISASTER STRIKES, WHO YOU GONNA CALL?Know the types of assistance available from the SBA.

16 LIFE INSURANCELike 43 percent of women, are you underinsured?

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

19 AAA AND UAbdominal aortic aneurysms: symptoms and preventative measures.

21 WOMEN TO WATCHNew hires and promotions.

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

23 MEET AND GREETRegional networking events and meetings.

WHAT’SInside

5 COVER STORY

Christine Wardrop has always beenone to follow her career ambitions:first, as a teacher, and then taking theleap into the business world. She isnow the president of Industrial PipingSystems in York, a business her fatherstarted in 1982. She believes incommunity service for herself and thecompany and rewards employees whovolunteer their services.

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BusinessWomanPA.com | February 2014 ~

wonder if you’ve noticed how many of the womenwho have been featured on the cover ofBusinessWoman over recent months have hadcareers in traditionally male fields. It is atestament to how women continue to expand

their interests and are excelling in all types of professions.Way to go, ladies!

Did you make a New Year’sresolution to get more organized?How’s that working for you? Don’tgive up. Read the article that givespractical tips so you can be inmore control of your day. Whatcould you do with an extra hour?

Have you chosen the correctinsurances to protect all aspects ofyour business? It may be time foryou to consider an insuranceaudit. Find out what an insuranceaudit is, who can perform aninsurance audit, and what aresome of the situations where youmay not be fully protected.

One thing about being cooped up inside all winter is thatwe notice things around the house that might need a littleimprovement. Now is the time to pull your thoughtstogether and start making calls to professionals who canbring those ideas to fruition to your satisfaction. A specialfocus is included in this issue, which highlights some stylishkitchen designs as well as beautiful flooring options. You’ll

want to get started right away!Health is on everyone’s mind, and this month we would

be remiss not to bring heart health to the forefront. It is theNo. 1 killer of women and affects many of the men in ourlives. Learn how you can reduce your risk for heart diseasesimply through a particular supplement.

Have you ever heard of an abdominal aortic aneurysm? Itoften doesn’t have symptomsuntil it has ruptured. Learnmore about this condition andif you should be concerned.

The premiere DauphinCounty women’s expo will beheld next month. We’re veryexcited to bring this event tothe Greater Harrisburg Area.Please check out page 12 formore information. Registeronline to attend and get in free!

I hope you’ll also markyour calendar to attendPOWERLUNCH York. We’re veryexcited to have Sylvia Helper,

owner and president of Launching Lives, as the keynotespeaker, and we are confident your life and career will beenriched by her words.

Member Of:

BusinessWoman is published monthly by On-Line Publishers, Inc.,3912 Abel Drive, Columbia, PA 17512, 717.285.1350. Copyright On-Line Publishers,Inc. 2014. All rights reserved. Reproduction or use without permission of editorial orgraphic content in any manner is strictly prohibited.

Views expressed in opinion stories, contributions, articles and letters are notnecessarily the views of the Publisher. The appearance of advertisements for productsor services does not constitute an endorsement of the particular product or service.Although every effort is made to ensure factual information, BusinessWoman cannot beheld responsible for errors in contributors’ material, nor does the editorial materialnecessarily reflect the opinions of the publisher. On-Line Publishers, Inc. reserves theright to revise or reject any and all advertising.

Subscription information: $14 per year for home delivery of 12 monthly issues.Subscribe online at www.BusinessWomanPA.com or call 717.285.1350.

February 2014Vol. 11 - No. 2

omanWcareer ~~ lifestyle ~~ wellness ~~ connections

B U S I N E S S

EDITOR’SNote

For advertising information:717-285-1350 or

[email protected]

www.businesswomanpa.com

I

Christianne RuppVice President and Managing Editor

~ February 2014 | BUSINESSWoman4

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DAUPHIN COUNTY

May 27, 20149 a.m. – 2 p.m.Hershey Lodge

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June 10, 20149 a.m. – 2 p.m.

Church Farm School1001 East Lincoln Highway

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• Exhibitors • Health Screenings • Seminars • Entertainment • Door Prizes •

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Two of yourfavorite events,

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2913 Spooky Nook Road, Manheim(Just off Rt. 283 at the Salunga exit)

Lancaster

CelebratesSeniors

“

”

Organization isn’t about perfection; it’s

about efficiency, reducing stress and

clutter, saving time and money, and

improving your overall quality of life.

~ Christina Scalise

CA

REER

Never

Say

NeverBy LYNDA HUDZICK

s a child, Christine R. (Raub)Wardrop, now president of IndustrialPiping Systems, always just knew shewanted to be a teacher and even

forced her sisters and neighborhood kids to playschool with her almost every day.

Although the family business, Raub SupplyCompany, was a frequent topic of conversationaround the dinner table, Wardrop never feltpressure to join the business.

“My parents always encouraged my sisters andme to be independent and to get a good educationand pursue our own career interests,” she said.

So she followed her love of teaching, graduatingfrom James Madison University in 1980 with a BSin special education, and went on to enjoy a 15-yearteaching career.

However, when her parents began planning forretirement in 1996, they asked Wardrop and hersisters if they were interested in owning andworking in the business.

“I grew up hearing about the business,” thisLancaster native and mother of two college studentssaid. “My father started the current business,Industrial Piping Systems, in 1982. Previously hewas president of Raub Supply Company, which wasa multigenerational family business. I had workedat Raub Supply during college holidays, helping inthe office and mail room. I never imagined goinginto the supply-house business as a career.”

COVERStoryCOVERStory

A

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

BusinessWomanPA.com | February 2014 ~ 5

CAREER

She decided to leave teaching to“check out working in the businessworld,” Wardrop said.

“I was surprised to discover thatworking in the business world was notall that different from working in asmall, family-owned business—in thebig picture, it all comes down tohelping other people to grow and besuccessful.”

When she began working full timeat IPS, she jumped into it with bothfeet, learning all aspects of thebusiness and, in 2006, becamepresident of the company.

“No two days are alike,” Wardropsaid of her duties as companypresident. “Reviewing sales reports,answering benefit questions, workingwith sales on job pricing, makingdecisions about company expenditures,and training employees …”

The list goes on and on. But hermost important responsibility, shefeels, is making sure that everyone isdelivering excellent service to thecustomers.

“Almost every day is a good day forme,” she said. “I enjoy the challenges ofeach day. The busier the day, the betterfor me. I work with a great group ofpeople in a very family-orientedenvironment. As with teaching, Ienjoy making a difference in someoneelse’s day or life. I continue to be verypassionate about children—childrenand grandchildren of employees areencouraged to ‘visit’ the office onoccasion.”

And when these VIPs do visit,Wardrop enjoys interacting withthem, asking about how school isgoing and what books they arereading.

“I have attended sporting events ofemployees’ kids, encouraged job-shadowing opportunities, andsupported fundraising and school orother extracurricular activities overthe years. One of the lessons learnedfrom my father is to ‘always take careof your employees.’”

As president of Industrial PipingSystems, Wardrop works hard tomaintain the overall strength and

success of the company, and one of theways she does that is to buildrelationships not only with heremployees, supporting them in theirdaily functions and encouraging themto develop their job skills, but also inbuilding relationships with businesspartners, customers, and suppliers.

An excellent way of developingpositive relationships with all thoseshe comes in contact with is by givingback to her community.

“During my children’s school-ageyears, I was very active volunteeringwith their activities,” Wardrop said.“Over the last year, I have beenadjusting to life without kids athome—rediscovering me. I plan tofind some new volunteeropportunities in 2014, probablysomething with literacy and kids.”

But currently, she maintains thatspirit of volunteering by serving on theboard of directors for the PVF divisionof Affiliated Distributors, a buyingand marketing group of whichIndustrial Piping Systems is a member.

“I also act as a network chairmanfor that organization,” Wardrop said.“And currently, I serve on the YorkDivision Advisory Board for FultonBank.”

As far as IPS is concerned, this yearthey supported York Cultural Alliance,the York Christian School, and Jessicaand Friends, and they also encouragedindividual employees to support localcommunities too.

“Employees can earn an extra dayoff with pay if they volunteer eight ormore hours with an organization oftheir choice each year,” Wardrop said.“Year to date, about 50 percent of ouremployees have logged in excess of500 hours of volunteer service.”

Wardrop takes great pride in theway IPS is moving forward. Theycurrently participate in a joint-venturebusiness partnership with two otherwholesale distribution companies:Schaedler Yesco Distribution and APRSupply Co.

“The partnership was developed in

2006 with the purpose of finding waysto share resources, best practices,training opportunities, and branchlocations,” she said. “The partnershiphas grown and is now a model for aprogram through AffiliatedDistributors for distributors across theU.S. and Canada.”

The company also received theAffiliated Distributor’s Spirit ofIndependence PVF Affiliate of theYear Award, which “recognizesexcellence in performance, leadership,and marketing,” Wardrop said.

And yet, Wardrop does admit thatat times, being a woman in a male-dominated business has been“interesting.”

“I continue to be one of the fewfemales involved in industry events,although that is slowly changing. Butoverall, I do not think that being awoman has created any real barriers inowning and operating IPS …

“I also do not believe that being awoman has created any specialbenefits in owning and operating abusiness. I believe that regardless ofgender, to be a success in any field, youneed to work hard, operate with highmoral principles, and pay attention tothe details.”

After having spent 15 years as anaccomplished teacher and nowsuccessfully leading the company herfather started all those years ago,Wardrop admits she is still learningevery day and shares some of those lifelessons.

“Work hard but don’t make workyour life,” she said. “Enjoy your familyand friends … and always help othersto succeed. That is far more rewardingthan personal success.”


“”

One of the lessons learned from my father is to

‘always take care of your employees.’

7

CA

REER


ow often have youthought, “If I onlyhad one more hour,another colleague to

support me, or less email to process, Icould take a deep breath, get caughtup, and not work on the weekend”?Or if you only had a magic wand andcould add a few more minutes—no,more hours—to your day, and thenyou would be able to get control.

In today’s overwhelming,overstretched, overscheduled world,we feel like we are constantly reactingand are not really in control of ourdays.

So, how can you put yourself backin the driver’s seat of your day?Stretch the hours that you do haveand make those minutes work foryou.

Batch or group like tasks. Batching or grouping like tasks

increases your efficiency without anyextra effort on your part.

For example, make all of yourphone calls at one time, process youremail at one time, or review projectproposals from vendors. Switchingbetween disparate tasks is highlyinefficient because it takes our brainsso long to reengage with the task weswitched from and to remember whatwe were actually doing.

Work on the same type of projector task and increase your output.

Work in vacation mode.Have you ever noticed what

happens before a vacation? Yourinbox is magically cleaned out,projects are wrapped up, and yourdesk is cleared off. I call this thevacation phenomenon.

The vacation is a hard deadline.You are going to be on a sandy beachholding a drink with an umbrella in iton Saturday afternoon. As a result,you have to get the work done beforeyou go.

Consider working invacation mode even if you arenot going on a vacation bycreating hard stops to yourworkday. For example, schedulea fun activity after work that hasa hard start time: a movie, aplay, or a sporting event. Watchwhat happens to yourproductivity during the day.

Create a stop-doing list.As your responsibilities

continue to expand at work, youkeep adding tasks and projectsto your to-do list. But, you nevertake anything off of the list.

Take a hard, critical look atyour projects and tasks and askyourself if each project is stillrelevant, directly tied to theorganization’s strategic goals,and has a significant returnon time investment.

There are probably afew tasks and projectslurking on your list thatneed to be moved tothe stop-doing list.No one is going tomiss them.

H

Back in the

Driver’s SeatBy CARSON TATE

Put Yourself

of Your Day

CA

REER


Decide what is good enough andstop.

Do you know what good-enough isfor each of the projects on your list?This is good enough for theorganization and good enough foryou.

Over-thinking, over-editing, andover-tweaking wastes valuable timeand is not necessary. Do good workand then stop.

Multitask with caution.Our brains cannot perform two

tasks at the same time well. How oftenhave you been on a conference call,and maybe it drags on a bit, so youdecide to check email? You beginprocessing email and then you hearyour name being called. Oh no! Youhave no idea what was just said.

If you must multitask, be verycognizant of the trade-off that you aremaking.

Stop fighting nature.Our brains are hardwired to

function in very specific ways. So, nomatter how much you try or wish foryour brain to function differently, itwill not.

According to David Rock, aneuroscientist, your capacity to makedecisions and solve problems islimited by your energy-hungryprefrontal cortex. There is a limit tohow much information can be held inthe mind and manipulated at any onetime.

Don’t ask your brain to rememberthe 15 items you need at the grocerystore, your schedule for next week,and your ideas for your new project atwork. It is not wired to function thisway.

Use a task list. It is ultimately moreefficient and it enables your brain todo what it does best: think aboutthings, not of things.

Make your technology work for you,not against you.

Today’s technology is powerful—very powerful. However, we oftenabdicate our own power when we areworking with technology. We let itguide and direct us. It pings, dings, orrings, and we jump.

Turn off the technology so youcan focus and complete work.Leverage all of the technology tools

available to you in your emailprogram by writing rules, color-coding incoming emails, and auto-filing messages. Take back controland make your technology do all ofthe heavy lifting.

Get back in the driver’s seat of yourday by making your time work foryou, not against you.

Leverage the natural efficienciesthat can be gained by completingwork in groups. Set and adhere tohard stops in your workday.

Remove tasks and projects fromyour to-do list that are no longeraligned to your goals nor yourorganization’s goals. Know whatgood-enough looks like for you, andthen stop when you reach goodenough. Multitask with caution.

Stop fighting nature. Make yourtechnology work for you, not againstyou. Stretch your time today andenjoy your extra minutes!

What are you going to do today totake back control of your day?

•

Carson Tate is the founder of WorkingSimply, a management-consulting firmwith a mission to improve corporateagility, employee engagement, andproductivity and effectiveness.www.workingsimply.com

Need help?

• Are you an executive or manager who is

dissatisfied with your career?

• Do you have a burning desire to upgrade your

job performance but have no idea how?

• Do you want a promotion but aren’t sure how

to approach it?

• Do you need a total career change?

If any of these questions strike a chord inside

of YOU, the GOOD NEWS is that you are in the

RIGHT PLACE. You don’t need to figure it all out

on your own. Guidance and support are available.

UPGRADE JOB

PERFORMANCE

SEEK A

PROMOTION

PLAN/NAVIGATE

A TRANSITION

Sylvia Hepler

Owner and President

www.launchinglives.biz • 717-761-5457

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1832 Market Street, Camp Hill PA 17011 • 50 Mount Zion Road, York PA 17404

Camp Hill: 717.730.984 • York: 717.718.1414

www.TheDrexelGroup.com “”

Make your

time work

for you,

not against

you.

CA

REER


13

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REER

10 ~ February 2014 | BUSINESSWoman

n effective insuranceprogram is vital for everybusiness. But how muchcoverage do you need?

Are there holes in your coverage? Howcan you save money on insurancepremiums?

An insurance audit or review cananswer your insurance questions.

What Is an Insurance Audit orReview?

An insurance review or audit is anexamination of your business’sliabilities and insurance policiesperformed by a professional who isknowledgeable with regard to both.

Members of McNees Wallace &Nurick LLC’s Insurance Recovery andCounseling Group regularly performinsurance reviews and audits. We breakthe process down into two differentscopes of review:

1. An insurance audit involves aphysical examination of yourbusiness facilities and operations,along with a review of your risksand insurance policies.

2. An insurance review is limited toa paper review of your risks andbusiness insurance coverages.

Who Performs an InsuranceReview/Audit?

There are three types ofprofessionals who perform insuranceaudits or reviews:

Insurance Broker. The advantage ofhaving your broker perform the audit isthat she is likely familiar with yourbusiness, knowledgeable aboutinsurance programs available in themarketplace, and is usually willing toperform the review or audit for free ora nominal amount.

The disadvantage is that a brokerearns her income through sellinginsurance coverages, so there is theincentive to sell you additionalcoverages. Your broker also may notadvise you about how much coverage tobuy because that is outside of the scopeof her expertise.

Insurance Consultant. Aninsurance consultant is usually a personwith a background in the insuranceindustry, such as a former broker orinsurance-company representative,who will perform the audit for a fee.

The advantages of the consultant arethat she has significant insuranceknowledge and is not looking to sellyou more insurance.

The disadvantages are that she is

likely not as knowledgeable about yourbusiness as your current broker, shecharges a fee, and she may lack the legalbackground necessary to advise youabout liabilities that you face fromclaims and lawsuits.

Insurance-Coverage Lawyer. Theinsurance-coverage lawyer whoperforms an audit or review has aprofessional duty to look out for yourinterests, is not interested in selling youadditional insurance, and should havefirsthand legal experience in dealingwith the risks that businesses face.

A disadvantage in hiring theinsurance-coverage lawyer is cost. Also,because the lawyer is not in thebusiness of selling insurance, she maynot be as knowledgeable about current

insurance products available in themarketplace.

How Does the InsuranceAudit/Review Work?

In our practice, an insuranceaudit/review starts with an initialmeeting or phone conference to discussyour business and your insurance orrisk-management concerns.

We then send you an insuranceaudit/review checklist, which asks youto provide as much of the followinginformation as possible: a summarydescription of your businessorganization, all insurance policies andendorsements that we are to review, allpolicy declarations in effect, anysummaries of coverage prepared by

T

Reviewing Your

Business

Insurance Program:

ANot Every

Business Does It,

but Every

Business Should

By MICHAEL R. KELLEY, ESQ.

CA

REER


your insurance company or broker,and your company’s claims history forthe past five years.

If you request an insurance audit,we physically meet with you at yourfacility. The purpose of this is to betterunderstand your potential risks andliabilities.

After reviewing your information,a written memorandum is preparedsummarizing all of your insurancecoverages and the liabilities that you

face, making recommendations toclose any loopholes in your coverageand save money on insurancepremiums, and advising you as to thescope and amount of insurancecoverage you should have.

What Are Some Hot InsuranceCoverages and Liabilities?

The overwhelming majority ofbusiness enterprises have coverage forcommercial liability, commercialproperty, and workers’ compensation.But what are some hot issues andcoverages?

Employment Practices Liability(EPL). This coverage protects againstclaims by prospective, current, andformer employees who allege somewrongful conduct in the employmentrelationship. Employment claims are afast-growing area of litigation. Morethan 60 percent of businesses nowhave EPL coverage.

Cyber Liability. This coverageprotects you from hackers who gainunauthorized access to your electronicor non-electronic data containing

information on your customers, suchas credit-card numbers and SocialSecurity numbers.

Directors & Officers Liability(D&O). If your business has a boardof directors or you sit on the board ofdirectors of a profit or not-for-profitentity, your decision making could bechallenged by a third party throughlitigation. D&O covers this liability.

Telecommuting. If your businessallows personnel to work remotelyfrom their homes, there are a numberof insurance issues raised by thisarrangement. Are these personnelconsidered employees or independentcontractors? The difference coulddetermine whether they are coveredby your workers’ compensationpolicy.

Are there liability concerns withintheir residence? Have you discussedwith your broker or company apotential liability claim arising froman employee’s residence? Your liabilityinsurer may not consider youremployee’s home covered under itscommercial liability policy.

These are just a few of the insurancecoverage and risk issues facingbusinesses.

But keep in mind that everybusiness is unique. Your business mayhave specific risks and coverageconcerns that are not necessarily sharedby most business entities. An insuranceaudit or review is particularly helpful inaddressing these specialized concerns.

How Often Should I Have anInsurance Audit or Review?

Most businesses should have aninsurance review or audit conductedevery two to three years. If yourbusiness has experienced particulargrowth in revenues, locations, oremployees, an insurance audit orreview should be conducted moreoften.

•

Michael R. Kelley, Esquire, is the chair ofthe McNees Wallace & Nurick LLCInsurance Recovery and Counseling Group,based in Harrisburg, Pa. Kelley representsbusiness, professional, and organizationalinsurance policyholders. www.mwn.com

“Your business may have

specific risks and coverage

concerns that are not

necessarily shared by most

business entities.

”

PPrreemmiieerree EEvveenntt iinn DDaauupphhiinn CCoouunnttyy

We are very excited to bring the women’s expo to the Greater Harrisburg Area.Although this is the first Dauphin County women’s expo, thousands of womenhave enjoyed them in Cumberland, Lancaster, and Lebanon counties already.

The business community has shown a lot of interest, which will allow us theopportunity to present a wide variety of exhibitors to greet you. They will be eager toupdate you on their latest products and services for just about every aspect of yourlife—beauty, finances, health and wellness, home, nutrition, leisureactivities, finances, and more. And all in a relaxed atmosphere.

Just as the interests of women are varied, so are thedemonstrations. Although some details are still being finalized,here is a sneak peek at some of what’s on tap.

Head to Toe Boutique from Annville will be taking the stageto strut the latest in 2014 fashion trends. Starting with jackets andmoving on to casual and evening wear, you will see the neweststyles from Joseph Ribkoff, Frank Lyman, Erin London, Berek,

IC Collections, Vocal, and others. Michelle Wohlfarth, certified integrative

nutrition coach and owner of Healthy LivingKitchen, will talk about the health benefits of different foods. Shewill also be showing us how to prepare a quick and crunchy Detoxsalad for spring: celery root salad. Sounds yummy!

If you’re like me, I’m excited about the spring planting seasonthat’s just around the corner. Linda Stuart, Certified Master

Gardener and greenhouse sales specialist at Stauffers of Kissel Hill,will demonstrate how to use thrillers, fillers, and spillers to transform your container

garden from ordinary to amazing. She’s also going to give us some tips ongrowing vegetables or herbs in containers. You may even be the winner of

the container garden that she designs.

Ever wonder what your handwriting says about you?Mitzi Jones, who analyzes handwriting, will talk aboutdifferent nuances of handwriting. She’ll provide insightand answers questions. Come and learn a little aboutyour personality.

And plan to do some shopping that day. Mother’s Daywon’t be long off and vendors will be offering an array ofthe things we women love, including jewelry, handbags,cosmetics and skin care, home décor, and fashions.

PinnacleHealth, our Health & Wellness Sponsor, willhave a designated area at the women’s expo, wheremembers of their staff will not only be offering healthyliving information, but will also be available to answeryour questions on a range of health issues. They will alsobe offering health screenings, including body-typeanalysis screenings and bone density screenings.

And last but certainly not least, we’ll finish offthe day with the Hula Hoop Contest. If you’rethe top winner, you’ll be taking home $100 incash! That’s right. We’ll provide the hula hoops,you provide the entertainment. So get thosehips movin’ and groovin’ now so you can beready to spin your way to a prize.

Other sponsors for the day’s event areCBS 21 and Tanger Outlets in Hershey. Throughout the day you’ll be able to

unwind while enjoying mini spa treatments. Never had a mini massage? Takeadvantage of this soothing pleasure; it’s free and you’ll love it!

Let’s Meet at the Corner of Chocolate and UniversityBy Christianne Rupp

March 22, 20149 a.m. – 3 p.m.

Hershey Lodge325 University Drive

Hershey

omen’s xpoE

a G r e a t W a y To S p e n d M y D a y . c o mFor more information call 717.285.1350, or email [email protected].

All women who love to have fun and would like to spend some time at an event designed justfor them are specially invited to the premier Dauphin County women’s expo.

Please go to aGreatWayToSpendMyDay.com today and registerfor your free entry ticket ($5 at the door).

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

Talk to us about sponsor and exhibitor opportunities!

ah1

When Brian and Carol Cohen ofCamp Hill considered theiroptions for remodeling theirkitchen in early 2013, it quickly

became apparent to them that apiecemeal renovation wouldn’t be asmart choice.

“This was a spec home when webought it 20 years ago … although it’s agreat house, things are not where Iwould have liked them,” Carol Cohensaid. “All the appliances were going, thefloor was going—it was all going. Wedecided we were not going to replacepiece by piece. We said, ‘Let’s just do it.’

“This is a Colonial home, and wedecided to bring it back to its Colonialfeeling.”

Cohen’s primary complaint abouther kitchen was its island’s lack offunctionality. Her gas stovetop andoven were part of the island, whichmade it an unsuitable place to seatchildren as well as a limited workspace.

The Cohens hired Deimler & SonsConstruction in Harrisburg for therenovation after a happy neighbor’srecommendation.

“The existing kitchen structureremained (the walls), but other thanthe framing, we gutted everything backto the studs, and we did a completereorganization of where things werelocated in the kitchen and put all newproducts in,” said Craig Deimler,president.

Cohen said that although Deimler’sbid wasn’t the cheapest, they feltconfident the job would be done totheir satisfaction and that anyproblems that arose would be takencare of quickly.

BlendingPersonality

withFunctionality

By MEGAN JOYCE


W

This traditional-style kitchen’s features include a customdrawer base for the sink cabinet (on right) and large pot

drawers below the cooktop. The custom tile accent pieceaccentuates a hammered black commercial hood.

~ February 2014 | BUSINESSWomanah2

Deimler said their initial meetingwith a client covers the client’s likesand dislikes of their current space;how they use the kitchen; how theyentertain; and what their futureneeds might be as family dynamicschange and the owners age. Storage,too, is always a concern.

A preliminary layout and budgetis then refined with the clients’ input,after which the clients are takenshopping to select final finishes.

This, Deimler said, is when theyfurnish a final project estimate,which is broken down into the majorphases of construction: cabinetryand countertops, flooring, plumbing,installation, etc.

“That way, they can see wherethey are spending their money,”Deimler said. “It allows them to say,‘We really don’t want to invest thatmuch in a certain area—what are ouroptions?’ And then we can help themselect different materials to keep itmore in line with their expectations.”

Deimler said he and his staff areaware of the inconvenience they willbe causing the family during therenovation, which, for kitchens,usually lasts between four and eightweeks.

“We had done an addition to ourhouse 17 years ago, so we knew nowwhat we didn’t want to have happen,”Cohen said. “We talked about it[with Deimler] and he understoodwhere we were coming from, and hewas very easy to work with.”

Deimler advises familiesconsidering a kitchen overhaul toevaluate their options for meals. Willthey go out to eat? How will thataffect the overall project budget? Henoted that many clients dorenovations in the spring, summer,and fall so they can grill outside tokeep meal costs down.

“Whenever possible, we create amakeshift kitchen of a refrigerator,microwave, and sink so that they cansemi-function while they are withouttheir kitchen,” said Deimler.

The Cohens were unable to reusetheir original cherry cabinetry asthey’d originally hoped, so theychose to donate it to Habitat forHumanity.

“They went crazy. They were soexcited,” Cohen laughed. “Which was

great; it made us feel fabulous.”Instead, they selected soft maple

cabinetry with a custom cherry stainfrom Heirloom Cabinetry inMifflintown. Barry Hildebrand,custom design and salesman, said heand his clients compare differentwooden samples and stain colorswith their chosen tile and countertopto make sure nothing clashes orcontrasts too sharply.

Hildebrand shows the client adigital design with door styles fortheir approval, and together they gothrough cabinet by cabinet, makingsure the clients can put away all theirbelongings.

“Once the design is complete andmeets with their approval, then I takethe time to price it all out; that way,I’m pricing exactly what they havechosen,” Hildebrand said. “After all,it’s their kitchen, not ours. I’ll makesuggestions when [clients] makerequests … but still, the finaldecision is theirs.”

“The cabinetry people came upwith some ideas that had never beendone, and when we finally figured outhow to do it, it came out beautifully,”Cohen said.

Cohen was thrilled that HeirloomCabinetry worked with her to create arolling buffet from one of their oldcabinets and that her new cabinetshave “the ease of use that was reallyimportant to me as we age within thislarge home.”

She was eager to replace herCongoleum countertops and did sowith granite called Bordeaux Riverfrom Lesher Natural Stone, Quartz, &Tile in Middletown. Mary Jane Herr,project manager at Lesher, said theyoften like to see the selected cabinetryso they can pair it with granites thatinclude complementary color tones.

“The island is fabulous. I love thegranite we picked,” said Cohen.

And she finally has the large,functional countertops she alwayswanted, clear of clutter. Her twofavorite features in her new kitchenare simple pleasures: The microwaveis located in a drawer that’s built intothe cabinetry under the island—so ittakes up no counter space.

Plus, under the gas range top is a3-inch-deep drawer that houses allthe spatulas and cooking tools that

normally need to be corralled in acountertop container.

The flooring and backsplash wereprovided by Essis & Sons Carpet Onein Mechanicsburg. Cohen was gratefulfor the input of Joe Essis, co-owner, asshe struggled to select flooring.

“I had a general idea. I knew wewanted porcelain tile because it is sohard,” she said. “[Essis] suggested thelarger, 20-inch square because it’s avery big room and there would befewer grout lines, and it would increasethe flow. He was so right.”

Cohen and Essis also put theirheads together in designing thebacksplash. They ended up going witha tan tile with a marbled effect. Small,wrought-iron medallions wereinterspersed throughout the entirebacksplash and culminated in a patternunder the range hood.

Deimler urged homeowners

considering a kitchen renovation to dotheir research. The kitchen is one ofthe most expensive rooms to remodel,and there can be huge swings inpricing simply based upon thematerials selected, he advised. Askquestions when comparing estimates,and do not make the decision based onprice alone.

Ensure that all materials areordered and in stock prior toconstruction, which, Deimler added,will minimize the chances for costoverruns. And, expect at least a bit ofthe unexpected.

“Always allow room in your budgetfor unforeseen items if you arereorganizing the location of things,” hesaid. “Keep an extra 5 percent of thebudget off to the side for these items.”

After 20 years in a kitchen thatnever quite felt like hers, Cohenmarveled that she is left with just one

very good problem to have: “I havemore storage than I know what to dowith.”

“Our process is focused on the

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

BusinessWomanPA.com | February 2014 ~ ah3

Lancaster Showroom

2950 Old Tree Drive, Lancaster, PA 17603 • (717) 390-9050

www.ToTheTradesFlooring.com

• Third generation family business, owner operated •

• Serving Lancaster and York for 18 years •

• Associated with quality crafted installers •

• Beautiful showroom featuring:

Porcelain tile • Hardwood • Luxury Vinyl • Carpeting

Every modern convenience in a tight space can be

found in this painted and glazed kitchen. The bead

board and full-height granite backsplash and sidesplash

beside the induction cooktop help disguise the fact that

this kitchen used to be a 'black hole.

� 'This white-stained maple kitchen replaces a 1970s dark pine kitchen.

The custom unit on the left allows for a hutch on the dining room side

(beyond the raised island) and a functioning appliance garage and

pantry on the kitchen side.

�

An overall view of the picture on page ah2,

this traditional-style custom kitchen with

large island features a warming drawer

below the double ovens and a

microwave drawer in the island.

�

~ February 2014 | BUSINESSWomanah4

Above: Anderson hand-scraped wood floor plank.

Flooring Possibilities and theModern Homeowner By LEE DUSSINGER

Right, from top: Marazzi Archaeologyporcelain tile shower; Marazzi Archaeology

porcelain tile whirlpool encasement,decorative backsplash, and floor;

Marazzi’s American Heritage Collectionporcelain tile in a wood look.

AAbeautiful floor will be a home’sshowpiece, setting the foundationfor any inspirational homeproject.

The last few years have representedsomething of a renaissance for thehome-flooring industry; there havenever been more options forindividual products or a wider rangeof statements that can be madethrough their use.

“There are so many excitingoptions out there, more than therehave ever been in the past 20 years,”Elmer Stoltzfus, owner of HeritageFloors in Lancaster County, says.“There is no limit to what you can dowith a great floor.”

Genuine wood flooring is the mostluxurious option and a rightfullypopular one. The natural hues ofwood and rich color presented in adesign are strong yet subtle.

Anderson flooring represents the

industry leader in authentic wood forthe South-Central Pennsylvaniaregion. An American-made brand,Anderson floors offers bothtraditional options and a manuallyproduced “hand-scraped” wood style.

In contrast to other machine-made,glossy wood merchandise, Anderson’s“hand-scraped” pieces are createdusing antique carpentry techniques,which give the final product adesirable, rustic appearance.

Rustic styling is especially popularin this region. Even contemporaryhomes look beautiful when fitted withhand-scraped floors that reflect thearea’s frontier homestead history. Thisaesthetic can be achieved with eitherlight or dark shades, using naturalwood or tile printed to resemblewood.

The organic imperfections seenin hand-scraped wood flooringcontribute to this rustic sense, as do

the authentic methods used in itsproduction.

Innovation has brought vinyl andporcelain tile to the forefront of thehome-flooring industry. Advanceddigital-printing technology allowsmanufacturers to incorporate thevisual qualities of authentic wood orslate on affordable, long-lastingmaterial. This marriage of practicalityand distinct appearance has rapidlymade vinyl and porcelain tile supremefavorites.

Congoleum, a manufacturer ofvinyl tile, leapt to prominence with theinvention of Scotchgard Protector.Tiles equipped with ScotchgardProtector are nearly impervious tohousehold damage and require onlythe most basic cleaning measures. Apermanent marker’s ink will disappearwith the use of a cleaning cloth.

“The Scotchgard Protector is reallya game changer,” Stoltzfus says. “All I

have to do is a simple demonstration,and it sells itself.”

Carpet is still a highly popularoption due to its affordability andcomfort factor. In spite of theincreasing prominence of othermaterials, carpet remains thepreferred choice for the bedrooms ofthe home.

Regardless of make or material,simplicity reigns in contemporaryflooring. Neutral tones are morepopular than bold colors. Subtle butattractive floors of any material oftensegue the homeowner’s attention tomore vibrant walls and colorfulfurniture. In these cases, the floor setsthe tone for the entire room.

As a homeowner, selecting a floorcan be overwhelming as flooringoptions seem endless. It is safe to say,however, that whichever flooring yousettle on will be key to the overalldesign in your home.

BusinessWomanPA.com | February 2014 ~ ah5

• Carpet & Upholstery

• Ceramic Tile & Grout

•Marble, Granite,

& Wood Floor

Rejuvenation

Professional Cleaning Services

717-761-4444

www.gelcopa.com

SPECIALIZING IN:

• Valances/Draperies

• Bed Ensembles

• Floral Designs

• Blinds/Shades/Shutters

• Accessories/Lamps

• Art/Mirrors

• Color/DesignConsulting for NewConstruction &Renovation

• Consultations forPaint Colors,Furniture & FloorSelection

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

Call us at 717-354-22331064 East Main St. (Rt. 23) New Holland, PA

www.HeritageDesignInteriors.com

CA

REER


everal times last yearour area was inundatedby heavy amounts of

rain, causing disaster for somebusinesses.

Were you prepared? Did you havethe right type of insurance to get yourbusiness back in business?

Do you know the SBA providesdisaster recovery and disasterassistance? When disaster strikes andyou have experienced damage to yourbusiness, know the types of assistanceavailable from the SBA so thatyour business or nonprofitorganization can take advantage ofassistance programs and loans alreadyin place.

If you are in a declared disaster areaand have experienced damage to yourbusiness, you may be eligible forfinancial assistance from the SBA.Businesses of any size and mostprivate nonprofit organizations mayapply to the SBA for a loan to recoverafter a disaster.

Loan Amounts and UseSBA makes physical disaster loans

of up to $2 million to qualifiedbusinesses or most private nonprofitorganizations. These loan proceedsmay be used for the repair orreplacement of the following:

• Real property• Machinery• Equipment• Fixtures• Inventory• Leasehold improvementsThe SBA Business Physical Disaster

Loan covers disaster losses not fullycovered by insurance. If you arerequired to apply insurance proceedsto an outstanding mortgage on thedamaged property, you can includethat amount in your disaster-loanapplication.

If you make improvements thathelp reduce the risk of future propertydamage caused by a similar disaster,you may be eligible for up to a20 percent loan-amount increaseabove the real-estate damage, asverified by the SBA.

You may not use the disasterloan to upgrade or expand abusiness, except as required bybuilding codes.

Eligibility and TermsA business of any size or most

private nonprofit organizations thatare located in a declared disaster areaand have incurred damage during thedisaster may apply for a loan to helpreplace damaged property or restoreits pre-disaster condition.

The interest rate will not exceed4 percent if you cannot obtain creditelsewhere. For businesses andnonprofit organizations with creditavailable elsewhere, the interest ratewill not exceed 8 percent.

SBA determines whether theapplicant has credit available

elsewhere. Repayment terms can beup to 30 years, depending on yourability to repay the loan.

How to ApplyYou can apply online for an SBA

disaster-assistance loan. SBA willsend an inspector to estimate the costof your damage once you havecompleted and returned your loanapplication.

You must submit the completedloan application and a signed anddated IRS form 8821 givingpermission for the IRS to provide SBAyour tax return information.

For additional information,contact the SBA disaster assistancecustomer service at 800.659.2955(TTY: 800.877.8339) or [email protected].

Military Reservists Economic InjuryLoans

The Military Reservist EconomicInjury Disaster Loan (MREIDL)provides funds to help aneligible small business meet itsordinary and necessary operatingexpenses that it could have met but isunable to because an essentialemployee was called up to active dutyin his or her role as a militaryreservist.

S

“”If you are in a declared disaster area and have

experienced damage to your business, you may be

eligible for financial assistance from the SBA.


LIFESTYLE

15

Loan Amounts and UseThe maximum MREIDL loan amount

is $2 million. The amount of each loan islimited to the actual economic injury ascalculated by SBA.

The amount is also limited by businessinterruption insurance and whether thebusiness and/or its owners have sufficientfunds to operate. If a business is a majorsource of employment, SBA has authorityto waive the $2 million statutory limit.

The purpose of MREIDL loans is notto cover lost income or lost profits.MREIDL funds cannot be used in lieu ofregular commercial debt, to refinancelong-term debt, or to expand the business.

Eligibility and TermsBusinesses with the financial capacity

to fund their own recovery are not eligiblefor MREIDL assistance. Federal lawrequires the SBA to determine whether abusiness has credit available elsewhere—that is, if credit in an amount needed toaccomplish full recovery is available fromnon-government sources without creatingan undue financial hardship.

The filing period for MREIDLassistance begins on the date the essentialemployee receives a notice of expectedcall-up and ends one year after theessential employee is discharged orreleased from active duty.

Collateral is required for all MREIDLloans more than $50,000. SBA accepts realestate as collateral when it is available.SBA will not decline a loan for lack ofcollateral but will require the borrower topledge collateral that is available.

The MREIDL interest rate is 4 percentand has loan repayment terms up to 30years. SBA determines the term of eachloan in accordance with the borrower’sability to repay.

How to ApplyYou can apply online for an SBA

MREIDL. You must submit the completedloan application and a signed and datedIRS form 8821 giving permission for theIRS to provide SBA your tax returninformation.

For additional information, pleasecontact the SBA disaster assistancecustomer service center. Call800.659.2955 (TTY: 800.877.8339) oremail [email protected].

Source: U.S. Small Business Administration.www.sba.gov

LIFESTYLE


ife-insurance owner-ship among women hasnot kept pace with theirincreasing presence in

executive-level positions. Witheconomic influence comes greaterresponsibility, and, therefore, it isimperative for women to protect theirfuture.

The great news is that lifeinsurance is very affordable. It maybe utilized in several ways to servea variety of purposes. Here arejust some of the benefits of lifeinsurance.

Provides a Source of Income to PayExpenses

Life insurance can replace some orall of one’s income should death occur.It can cover the cost of funeralexpenses and pay off debts as well asdaily expenses. Examples includefood, clothing, and mortgagepayments.

Serves as a Source of Long-TermIncome

Life insurance can pay for a child’scollege education or serve as a sourceof retirement income using the cashvalues in the contract.

Depending on the type of policy,you can take loans or withdrawalsfrom the policy to assist with a life-changing event, such as purchasing ahome, paying for a wedding, starting afamily, obtaining an advanced degree,starting a business, or supportingaging parents.

Provides an Opportunity to Leave aLegacy

Life insurance may be utilized tocreate a financial legacy for yourchildren, spouse, business partner, or acharity.

Offers Tax BenefitsMost permanent life-insurance

policies that accumulate cash valuescan offer certain tax benefitsdepending on the structure of the life-insurance contract.

No Federal Income Tax – As thecash value accumulates on the policy,it is not subject to current federalincome taxation. As a general rule,loans are treated as debts, not taxabledistributions, if structured properly.This can give you access to the cashvalues on a tax-advantaged basis.

Once the policy has accumulated asizeable amount of cash value, it canbe borrowed against to helpsupplement your financial needs.Depending on several factors, youmay or may not pay income tax on thegain. Keep in mind that loans arecharged interest and reduce the deathbenefit and cash value.

If a policy lapses or is surrenderedwith an outstanding loan, a portionmay be taxable. There are certain life-insurance policies that are subject todifferent tax laws.

No Estate Tax – You can avoidpotential estate taxes on life-insurancedeath benefits by transferringownership of a policy to a trust more

than three years prior to your death.

How much should you have?The biggest myth with life

insurance is that it is costly. Eighty-sixpercent of the population says theyhaven’t bought life insurance becauseit’s too expensive, yet theyoverestimate its true cost by twotimes.2

When purchasing life insurance,the question really isn’t how much youneed, but how much capital yourfamily will need at the time of death tomeet obligations and how much futureincome is needed to sustain thehousehold. It is important to assesswhether you need extra coverage oreven a different policy after projectingthe amount of life insurance you mayneed.

In order to project the amount oflife insurance you may require givenyour personal circumstances, it isimportant to consider these fourcategories:

1. Final Expenses A funeral, burial,and related expenses may cost $10,000to $25,000. Beneficiaries may receivetax-free proceeds from life insurancefaster if they waited for assets to besold from your estate.

2. Mortgages and Other DebtObligations It is crucial to includeyour total mortgage balance, car loans,student loans, credit card balances, andany other debts that would be a burdento your survivors. They may choosenot to pay off the mortgage, especially

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

3. Education Expenses Collegecosts can be difficult to calculate. Youwill need to consider the cost of collegeat the time your children may enroll.College tuition has been risingapproximately 5 percent per year.

It would be advantageous to dosome research for current collegetuition costs, whether you want toaccount for all or a portion of theexpense.

4. Income Replacement You do notneed to cover 100 percent of yourincome. However, it is essential tocover at least 75 percent of yourcurrent pre-tax annual income untilretirement.

No amount of money can everreplace a person. But more thananything, life insurance can helpprovide protection for theuncertainties in life. Without a doubt,having life-insurance coverage willbring you and your family peace ofmind. Life insurance protects yourheirs from the unknown and helpsthem through an otherwise difficulttime of loss.2Source: LIMRA and LIFE Foundation,2013 Insurance Barometer Study

•

Karen B. Meck, MT, is the president andCEO of KBM Consulting, LLC, a consultingand insurance advisory firm helping clientswith tax planning and life insurance wealthstrategies. kbmconsultingllc.com

– Are You Underinsured? By KAREN B. MECK

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

L

WELLNESS

uggling a career, family,and personal well-beingmeans juggling a lot ofextra stress as well. Thatcan be dangerous business

as stress is a leading factor in heartdisease, America’s No. 1 killer.

The good news for working womenis that there is a common mineral thatmay help reduce your risk of heartdisease by as much as 25 percent ormore: magnesium.

Before she founded IMC, aCalifornia-based marketing companythat serves the natural health industryworldwide, Carol Nicholson was aregistered nurse. So she knows theimportance of exercise and keeping ahealthy diet to protect against cardiactroubles.

Still, the pressures of overseeing hercompany’s accounts while motheringher three kids were considerable. Then

she went through a heartbreakingdivorce. Her anxiety levels, along withher blood pressure, spiked.

“I’m a very responsible person,”Nicholson says. “No matter what’sgoing on in my personal life, I don’t letit carry over to my clients or my kids. Ikeep my promises to everyone whoputs their trust in me.”

That kind of stress is not only aleading cause of heart disease, but it’salso a leading cause of magnesiumdeficiency, a condition that now affects80 percent of all Americans.

It’s no coincidence that lowmagnesium levels are directly related toan increase in heart disease; andconversely, high magnesium levels aredirectly related to improved hearthealth. In fact, a 2010 article in theAmerican Journal of Clinical Nutritionanalyzed data of more than 88,000women and found that those with thehighest magnesium intake had a 37percent lower risk of dying fromsudden cardiac death.

Magnesium is one of the mostimportant minerals in our bodies. It’srequired for 350 enzyme systems,including converting ADP to ATP, thebody’s fuel supply, similar to the gas inyour car. Simply put, we need ATP tocreate muscle action (including thebeating of our hearts) and we needmagnesium to create ATP.

Stress produces adrenaline. Whenadrenaline increases, our hearts beatfaster and we need even more energy.If we don’t have enough magnesium,we won’t have enough ATP, and ourhearts will suffer.

Common Signs of MagnesiumDeficiency

Some of the more commonsymptoms of magnesium deficiencyinclude: fatigue, muscle cramps,numbness and tingling, boweldysfunction, palpitations, headache,weakness, loss of appetite, nausea, andinsomnia.

While a deficiency is easy to fix, ifleft untreated, you could havesignificant problems down the road,including increased risk for anxiety,depression, diabetes, obesity,migraines, high blood pressure, and, ofcourse, heart disease.

How to Tell if You’re MagnesiumDeficient

The common signs of magnesiumdeficiency are indications that youmight be deficient. But ultimatelyyou’ll want to talk to your doctor andask him or her to test you.

I do a blood test called an RBC-Mg(red blood cell magnesium) test on allmy patients. I like to see a level of 5.5mg/dl—anything below that, Iconsider suboptimal. Alarmingly, butconsistent with statistics from theWorld Health Organization, I findmost of my patients to be magnesiumdeficient.

How to Increase Your MagnesiumLevels

Magnesium is found in leafy, greenvegetables. It’s also found in such foodsas avocado, flax and pumpkin seeds,seaweed, almond butter, andunsweetened cocoa powder and inspices like basil and coriander leaf.

Ironically, you could eat all thesefoods and still be magnesium deficient.That’s because the levels of magnesiumin food is dependent on the levels ofmagnesium in the soil where that foodwas grown. Unfortunately, much of oursoil has been depleted of magnesiumdue to commercial farming practices.That’s why I recommend organic foodsor foods grown in local gardens.

If You Realize You Need toSupplement

There are a wide variety ofsupplements on the market. You shouldbe aware that there is no such thing asa 100 percent magnesium supplement.Magnesium must be bound withanother substance so it can beabsorbed.

Some of those combinationsinclude: magnesium carbonate,magnesium sulfate, magnesiumhydroxide, and magnesium malate.Each combo has its owncharacteristics. For instance,magnesium carbonate has antacidproperties, while magnesium sulfateand magnesium hydroxide (which is inMilk of Magnesia) have laxativeproperties.

My personal favorite is magnesium

J

By DR. DENNIS GOODMAN

Magnesium –Magnesium –

It’s Good

for Your Heart


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

WELL

NESS


malate, manufactured by JigsawHealth, which has slow-releasecharacteristics. Instead of getting abolus of magnesium in your gut,which could cause diarrhea, you’ll geta steady, slow release and absorption,with minimal if any GI side effects.

How Much Magnesium Should YouTake?

I suggest 3 mg per pound ofweight. For example, if you weigh 120pounds, you should take 360 mg—either as one dose or as divided dosesin the morning and again before yougo to sleep, which can successfullytreat insomnia.

If you are stressed or deficient, youwill require more—5 mg/pound. Ilike to repeat testing after threemonths to determine the correctdose.

Many may not realize that heartdisease is as common in women aftermenopause as it is in men. Womenhave a one in 36 chance of dying frombreast cancer but a one in two chanceof dying from heart attack or stroke.

Magnesium can help lower therisk of heart disease and help in somany other ways, especially forworking women like Nicholson—andfor you too.

•

Dennis Goodman, MD, has beennamed one of America’s Best Doctors.He is board certified in cardiologyand integrative medicine and is aclinical associate professor at NYU.He formulated his own naturalcardiac multivitamin “HDL Booster”and just authored a new book fromSquare One Publishers, MagnificentMagnesium, available on Amazon.com.www.dennisgoodmanmd.com


WELLNESS

19

uch is discussed andwarned about heartdisease, cancer, anddiabetes. While the

numbers prove that we need to bevigilant about these conditions, there isanother one we need to be aware of.

Abdominal aortic aneurysm is themost common type of aneurysm, andfor patients who may be experiencingcertain symptoms or have familyhistories of this condition, it’s time toget educated.

An abdominal aortic aneurysm(AAA) is a weakness in the wall of theaorta, the major artery carrying bloodfrom the heart to the organs and legs.

According to Charles Dinerstein,MD, FACS, with Good SamaritanHospital in Lebanon, as the weaknessgets more significant, the bulging-outof the artery gets larger and is more atrisk to rupture.

“If the aneurysm ruptures, thechance of survival is very low,”Dinerstein says, “in the range of about25 percent, so we like to repair themearlier.”

For health professionals, the trade-off between operative risk, i.e., dyingfrom the surgery, and operativebenefit—i.e., not having the continuedrisk of aneurysm rupture because theaneurysm is removed—occurs at about5 cm.

Women and men are about equal ingetting this condition, but it isconsidered more prevalent in menbecause of how and why it isdiscovered.

“The diagnosis of aneurysms ismade primarily—60 percent of thetime—as an incidental finding on anultrasound or CT scan,” Dinerstein

says. “Men probably have more CTscans because of issues around theirprostate, so asymptomatic AAAs aremore frequently identified in them.”

AAAs tend to run in families, andalthough the genetics are notcompletely understood, Dinersteinadds that it might be thought of as acontinuum.

On the one end are patients withMarfan’s disease, a genetic disorder thataffects the body’s connective tissue andin which aneurysms are a component.On the other end are patients who mayhave a family member with ananeurysm.

“This is described as genetic

penetrance,” Dinerstein says. “Thepenetrance for the gene expression ishigh in Marfan’s and less in otherfamily situations, but it is definitelythere.”

There is no prevention of thisaneurysm besides modifying one’s riskfactors, which include smoking,hypertension, elevation of cholesterol,and diabetes and are the standard riskfactors associated with atherosclerosisor heart disease.

According to the Centers forDisease Control, there are often nosymptoms for an AAA, but it maypresent as a throbbing or deep pain inthe back or side, or pain in the

buttocks, groin, or legs. “The difficulty with symptoms is

that they only develop when theaneurysm is breaking or rupturing, sothat is a bit late in its course to seekinitial attention,” Dinerstein says.

So what sort of treatment cansomeone expect after an AAAdiagnosis? Dinerstein says that a CTscan offers information as to theaneurysm’s exact location so thatsurgery can be planned. It will also tellthe doctor whether it is breaking or hasalready ruptured.

“The treatment for a rupturedaneurysm is immediate correction,”Dinerstein says. “The treatment for

AAAand U

By LORI M. MYERS

M

(abdominal aortic aneurysm)

Charles Dinerstein, MD, FACS, with Good Samaritan Hospital in Lebanon, is shown

with a model of a stent graft, used in the newer and less invasive technique for the

elective repair of asymptomatic aneurysms.

“”

Women and men are about equal in getting this condition,

but it is considered more prevalent in men because of how

and why it is discovered.

WELL

NESS


Your key to choosing the rightliving and care options for you

or a loved one.

In print.Online at

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asymptomatic aneurysms is electiverepair.”

There are two repair methods, headds. The classic treatment is opensurgical repair involving two to fourhours of surgery and five to eightdays in the hospital.

A newer and less invasivetechnique involves placement of astent graft inside the aneurysm. Thegraft redirects blood flow throughthe stent rather than the aneurysm.This typically requires a shortprocedure and overnighthospitalization.

“Women are sometimes not asgood a candidate for these minimallyinvasive procedures because of theiranatomy, which is somewhat smallerthan that of men,” Dinerstein says.“We require a fairly large artery goingfrom the leg into the abdomen toplace these stent grafts, and womenhave smaller arteries. There arespecific devices that can be usedmore often in women because theyhave a small diameter and can beused more safely.”

There continues to be active,ongoing research when it comes toAAAs. Researchers are looking moreinto the biochemistry and physiologyof the condition and whetherinflammation and/or perhapsinfection could be involved.

In the 15 years or so that aorticstent grafts have been used forminimally invasive care, Dinersteinsays they are now at the fourth andfifth generation of these devices, andwith each generation, the deviceshave become smaller, more reliable,and more effective.

As far as the methods of detectiongo, both CT scans and ultrasoundcontinue to be the best ways to findand locate AAAs for both women andmen, and abdominal ultrasounds areradiation free, quick, and painless.

“Medicare includes this testing inits welcome examination, at least formen,” Dinerstein says. “Certainly,women with a family history ofaneurysms or a smoking historywould also be considered for anultrasound.”


WOMEN TOWatchJessica Goss of Harrisburg has beenpromoted to operations reconcilementsmanager for Metro Bank. Goss was mostrecently operations reconcilementsupervisor for the bank. She has nineyears of banking experience, two of thelast years with Metro Bank.

Katherine M. Powley has joined F&MTrust as vice president – commercialservices relationship manager. Powleyjoins the bank having nearly 30 years ofexperience in the financial servicesindustry in commercial banking.

Jessica Littleton is the new director atthe Children’s Learning Center atLandis Homes. Littleton was hired byHildebrandt Learning Center, whichmanages the Children’s Learning Centerat Landis Homes. As director, she willoversee the overall program at thecenter.

Diane Rota has been hired by Walz,Deihm, Geisenberger, Bucklen andTennis, P.C. as a senior accountant in thefirm’s tax division. Rota was previouslyemployed by Herbein + Co., Inc. inReading and brings more than 15 yearsof experience in taxation work to thefirm.

Jennifer Switzler has been hired as the human resourcesmanager for Boyer and Ritter, LLC. Switzler has more than16 years of experience with recruitment and staffing analysis,career development and leadership training, employeerelations/conflict resolution, and benefits management.

Kimberly Ryen has been named abusiness loan officer for Members 1stFederal Credit Union’s West Yorkbranch. Ryen has been working in thebanking industry for 13 years and hasbeen employed by Members 1st FederalCredit Union for five years.

Do you have an announcement?Please email your announcements of career advancements and professional new hires to [email protected]. Electronic photos should be

saved as a tiff, jpeg, pdf or eps at 300 dpi. Or mail to: BUSINESSWOMAN, 3912 Abel Drive, Columbia, PA 17512. Photos sent through mail will

not be returned. Please – no duplicate releases.

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On-Line Publishers, Inc. has an opening for a highly motivated person with a professional

attitude to sell print and online advertising as well as niche events.

The successful candidate should:

• Enjoy building and maintaining your own long-term business relationships.

• Be highly motivated, detail oriented, and able to multitask.

• Have good communication skills.

• Show a willingness to learn and grow in a fast-paced environment.

We offer a competitive compensation plan with a benefits package that includes health

insurance and a 401(k) plan.

If you have sales experience and are interested in joining our growing sales team,

please send your resume and compensation history/requirements to [email protected].

is seeking an ACCOUNT REPRESENTATIVE

On-Line Publishers, Inc. • 3912 Abel Drive • Columbia, PA 17512 • 717.285.1350

www.onlinepub.com

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SEND US YOUR PICTURES!BusinessWoman would love to share what’s happening while you're out and about.

Send your picture(s) and descriptions to: [email protected].

WWhhiillee WWee WWeerree OOuutt ......WWhhiillee WWee WWeerree OOuutt ......

Lebanon Valley Family YMCA

The Tanger OutletCenter in Lancasterraised $22,947.51 for thebattle against breastcancer and made itslocal donation of thosefunds to the LancasterGeneral HealthFoundation – Stanley K.Tanger Breast CareFund against BreastCancer.

Lancaster General Health Foundation – Stanley K.Tanger Breast Care Fund against Breast Cancer

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BUSINESSWoman

Jonestown Bank & Trust Co. (JBT) contributed $2,500 to the LebanonValley Family YMCA in support of their pre-kindergarten programs.

Pictured: Troy A. Peters, CEO, JBT, right, presents a $2,500 check to PhilTipton, CEO, Lebanon Valley Family YMCA, left.

Pictured, from left: Neil Martin, AGM, Tanger Outlets; Jen Groff,LGH Foundation; Monica Trego, GM, Tanger Outlets; and JayBucher, president, LGH – Foundation.


American Business Women’s Association(ABWA)

Camelot Chapter

6 p.m.

3rd Monday of the month

The Radisson Penn Harris Hotel &

Convention Center, Camp Hill

Tania Srouji, President

www.abwacamelot.com

Continental Yorktowne Chapter

6 p.m.

4th Tuesday of the month

The Roosevelt Tavern

400 W. Philadelphia St., York

717.891.7808

Lancaster Area Express Network

7:15 – 9 a.m.

3rd Wednesday of the month

Lancaster Country Club

1466 New Holland Pike, Lancaster

Julie Welles

727.207.8424

[email protected]

www.LAEN-ABWA.com

Lebanon Valley Chapter

6 p.m.

4th Wednesday of the month

Marabelle’s Restaurant

1352 Cumberland St., Lebanon

Penny Donmoyer

717.383.6969

www.abwalebanonpa.com

Penn Square Chapter

11:45 a.m. – 1 p.m.

2nd Thursday of the month

Hamilton Club

106 E. Orange St., Lancaster

Donna Anderson

717.392.8285

[email protected]

Women @ Work Express Network

11:30 a.m. – 1:15 p.m.

2nd Thursday of the month

Heritage Hotel

500 Centerville Road, Lancaster

Virginia Klingensmith

[email protected]

Yellow Breeches Chapter

6 p.m.

4th Wednesday of the month

Comfort Suites

10. S. Hanover St., Carlisle

Jofa Kauffman

[email protected]

Central PA Association for FemaleExecutives (CPAFE)1st Wednesday of each month.

Refer to the website for the meeting location.

Cathy Jennings, President

717.713.7255

[email protected]

www.cpafe.org

Executive Women InternationalHarrisburg Chapter

5:30 p.m.

3rd Thursday of the month

Rotating location

Cynthia A. Sudor

717.469.7329

[email protected]

www.ewiharrisburg.org

Harrisburg Business Women11:30 a.m. – 1:30 p.m.

2nd Tuesday of the month

Best Western Premier Central Hotel &

Conference Center

800 E. Park Drive, Harrisburg

Cathy Jennings

717.713.7255

[email protected]

www.harrisburgbusinesswomen.org

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

3rd Tuesday of the month

Heritage Hotel

500 Centerville Road, Lancaster

Krista Reed

717.945.4381

[email protected]

International Association ofAdministrative Professionals

Red Rose Chapter

5:30 p.m.

4th Tuesday of the month

Woodcrest Villa

2001 Harrisburg Pike, Lancaster

Barbara Tollinger

[email protected]

www.iaaplancaster.com

Harrisburg Chapter

5:30 p.m.

3rd Monday of the month

Holiday Inn Harrisburg East

Lindle Road, Harrisburg

Helen E. Wallace, CAP-OM, President

Jodi Mattern, CAP, Webmaster

[email protected]

www.iaap-harrisburg-pa.org

Hershey Chapter

5:30pm

2nd Tuesday of the Month

Hershey Lodge

325 University Drive, Hershey

Wendy Snavely, CAP-OM, President

Meagan Bair, CAP-OM, President-Elect

717.508.1710

[email protected]

www.hershey-iaap.org

White Rose Chapter of York

6 p.m.


Normandie Ridge

1700 Normandie Ridge Drive, York

Dorothy Keasey

717.792.1410

[email protected]

Mechanicsburg Business Women11:30 a.m. – 1:30 p.m.


Rotating location

Abeer Srouji Allen

[email protected]

www.mechanicsburgbusinesswomen.org

Pennsylvania Public Relations Society5:30 p.m.

Last Thursday of the month

Joan Nissley, President

717.861.8720

[email protected]

www.pprs-hbg.org

Professional Women’s Business Network(PWBN)8:30 – 10 a.m.

1st Monday of the month

Park City Diner

884 Plaza Blvd., Lancaster

Maria Quaranta

717.271.1250

[email protected]

www.pwbn.org

Shippensburg Women’s AreaNetworking (SWAN)Noon

1st Wednesday of the month

Rotating location

Lisa Mack

717.609.3781

[email protected]

Women’s Business Center Organization(WBCO)11:30 a.m.

2nd Tuesday of the month

September through April

Alumni Hall, York College of PA

Mimi Wasti

[email protected]

Women’s Independent Networking Group(WING)Noon

1st and 3rd Wednesday of the month

Out Door Country Club

1157 Detwiler Drive, York

Lisa Barshinger

717.747.6393

[email protected]

Women’s Network of York11:30 a.m.

3rd Tuesday of the month

Outdoor Country Club

1157 Detwiler Drive, York

Theresa La Cesa

[email protected]

www.wnyork.com

W O M E N ’ S N E T W O R K I N G G R O U P S


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MEET ANDGreet

Do you have an event you would like to post on our online events calendar?

It’s easy to do … and it’s free! Just go to BusinessWomanPA.com and click on the “events”link, or email your info to [email protected].

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