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September 2011

Are You Ready For Some Football? Cheat Day is Half-Baked

Executive Director Latin American Womens Association

Violeta Moser

Mimi Zelman
PUBLISHER

From the publisher


Dear Readers, On Monday, August 22, I attended the Womens Equality Day Celebration which celebrates the Womens Rights Movement. The program had a wonderful group of panelists speaking on womens issues in the political arena, health, and legal issues on elder care and more. What really struck me is the fact we have very few women in office here in Mecklenburg County. We need more women to run for office in order for our voices to be heard on the issues of equal pay and promoting the needs for women in the work place and small business. I would like to encourage all of my readers to get more involved in local government. As business owners lets support each other and do business amoungst each other. This enables us to have the funds to run for office. A good way to start is get involved with the Mecklenburg County Womens Advisory Board. Their mission is to recommend ways to work toward the betterment of women in education, employment, family, community, health, law, finance and social services to work collaboratively with other organizations and to provide community leadership opportunities by initiating and promoting programs designed to serve the needs of women. Another topic that is male dominated- Football. I have published this article before, but have been asked to run it again. This article helps you understand the basics of the game so you can watch with your significant other and peers and enjoy game day better. Our new media kit is now available. Just email me at mimi@womenwithknow.com to receive one. Now is a great time to start advertising for the holidays. We will be having a year end special so contact us now. Have a great month! Mimi

Contents
Publisher/President

Mimi L. Zelman

mimi@womenwithknowhow.com Vice President Marketing

4 8 14 16 20 22 24 28 34 36
COVER

Are You Ready For Some Football?


PROFESSIONAL SPOTLIGHT

Wendy Whitehurst

wendy@womenwithknowhow.com Design and Page Production

Wendy Whitehurst

Custom Marketing Solutions, Inc.

Dustin Shores Christina de Castro of eSplash Marketing

Chew Before Swallowing The Hundredth Monkey Costs Keep Going Up Are You Prepared? Women: What Are We Doing To Ourselves? Practical Home Staging Advice Cheat Day is Half-Baked The Unsewable Button Set the Stage for Simple Summer Entertaining

Contributing Writers

Mary Elizabeth Murphy Robyn Crigger Amy Whathman April Oliver


Cover Photography by Dustin Shores Photography For more advertising information call Mimi at 704-491-1207 or email her at: Copyright 2011

mimi@womenwithknowhow.com

30 Violeta Moser
Executive Director Latin American Womens Association
www.womenwithknowhow.com SEPTEMBER 2011

Are You Ready

For Some

Football?
This article is for the women out there, who have a significant other, and with the basics can, join them and watch football. Can you really enjoy football if you dont understand every rule, know what every position does, or memorize every teams statistics? Of course you canif you just understand some of the basics.
By Mimi Zelman

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Starting the Game


Before each game, the captains from each team and the referee meet at the center of the field for the coin toss. The winner of the coin toss has the option of starting the game by kicking the ball to the other team or receiving the kickoff from the other team. The game begins when one of the teams kicks off to the other. The receiving team must catch the ball and try to advance it as far forward toward the kicking team as possible. The play ends when the player with the ball is knocked to the ground (tackled), runs out of bounds, or makes it all the way to the kicking teams end zone (touchdown). The spot where the kick returner was tackled becomes the line of scrimmage. The line of scrimmage is a term for the place the ball is spotted before a play is run. Once this starting point is established, the offensive squad of the receiving team will come in and try to move the ball toward the oppositions end zone.

possession of the ball (the offense also has the option of kicking punting the ball to the other team on the fourth down). There are two ways to score points while on the offensive side of the ball. One is to kick the ball through the goal posts at the back of the other teams end zone, which is called a field goal, and the other is to run or throw the ball into the end zone, which is called a touchdown. A field goal is worth three points and a touchdown is worth 6 points. Immediately following a touchdown, the team gets to attempt a kick for an extra point. This is similar to a very short field goal. Following the kick, the possession of the ball moves to the other team.

but they definitely need to be fast. Jerry Rice is probably one of the most famous wide receivers in football and he could certainly teach the energizer bunny a thing or two about staying power.

Running Back
Its a dangerous job, but someone has do it! Running backs take the hand off from the quarterback and run as far as they can before getting tackled by the thugs on the other teams defense. Their goal is to gain yardage and they take a beating doing it.

Full Back
These guys are crucial to a good running game. They can run like a running back, or block for the running back, giving him a chance to get further down the field. Just like the running back, these guys take a pounding.

The offensive team has several players in different key positions: Quarterback
The quarterback is the team leader who really gets the offense moving. He is the only player that touches the ball on every offensive play, regardless of running or passing strategy. He throws the ball for a pass or hands it off for a running play. Sometimes the quarterback will even run with the ball himself. Quarterbacks dont have to be large, but most have magnetic personalities and display clear leadership qualities.

Tight End
To clear up a common female misperception, this position has nothing to do with the fit of the uniform. Tight ends are multitalented players who block, catch passes and provide protection for the quarterback.

Offense
The offense is the team that has possession of the ball and is trying to score by moving the football down the field towards the end zone. There are two ways to move the football: running or passing. The offensive team has four attempts, or chances, to move the ball ten yards. These attempts are called downs. Once the ball has moved ten yards or more from the starting point of play, the team gets four new downs to try to move the ball another ten yards. If the ball doesnt move ten yards forward in four downs, the other team gets

Offensive Line
There are usually five players on the offensive line. The typical offensive line has a center in the middle who hands the ball through his legs to the quarterback at the start of each play. There are two guards, one on each side of the center, and two tackles who play on the outer edges of the offensive line and are usually the biggest players. The

Wide Receiver
This position is mostly used to catch passes from the quarterback. They dont need to be big,

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offensive lines mission is to block for the running back on a running play or protect the quarterback from the defense on a passing play. These are the big guys on the offensive team who usually weigh in at around 300 pounds.

Learn the NFL numbering system.


1-9 Quarterbacks and Kickers, 1019 Quarterbacks, Receivers, and Kickers, 20-49 Running Backs and Defensive Backs, 50-59 Centers and Linebackers, 60-79 Defensive Linemen and Offensive Linemen, 80-89 Receivers and Tight Ends, 90-99 Defensive Linemen and Linebackers

men, running back, receivers, tight end, and the quarterback. There are two basic types of plays: the run and the pass. There are two terms that are commonly used when discussing the running play. The Draw where the quarterback drops back like he is going to pass and instead hands the ball off to the running back. The other term is called the Quarterback Sneak where the quarterback fakes a play then falls forward to obtain a small amount of yardage. Terms often mentioned when discussing passing are the slant pass where a receiver takes two steps forward then cuts across the field. The other is the play action pass where the quarterback fakes a handoff to a running back and then passes the ball instead.

is covered. Finally, Zone defense is where defensive players are responsible for a specific area of the field for pass coverage.

Special Teams

Special teams are the part of the team that returns kick offs and punts. Some players on special teams will also play on the defense or the offense.

Penalties

The Most Common Holding- when a player keeps another from advancing by holding on to him. Personal Foul - usually fighting False Start- (offensive call) someone on the line moves before the ball is snapped or in motion / Encroachment (same but for the defense). Roughing the kicker or Quarterback Unnecessary Roughness- called for late hits, flying elbows, Delay of Game- the quarterback does not start the play before the play clock runs out Face Mask or hands to the face - a player is not allowed to touch the face or pull on the facemask Horse Collar - a defensive player cannot pull another player down by the collar of his pads. Pass Interference - offense or defense cannot touch or push off each other prior to the ball being caught Illegal block to the back - a player cannot be blocked from behind

Learn the basics of the game.


Each team has a goal to defend and one where they score points. They have to get at least 10 yards in four downs to advance down the field toward the other teams goal. If they cannot obtain the 10 yards in 3 tries, they must either try one more play or punt the ball to the other team and then they must defend their goal. There are four quarters in each game lasting 15 minutes. Scores are obtained either by making a touchdown with an extra point or a two-point conversion for a TD (6 + 1 or 2), a field goal (3), and a safety (2 - where the opposing team tackles you in your own end zone - the points go to them).

The Defense - The Basics


There are two basic schemes for defense which are 3-4 Scheme - 3 down linemen and 4 linebackers on the line with 2 cornerbacks on each side of the field to cover wide receivers and there are 2 safeties and their position depends on the pass they are covering. The 4-3 Scheme - Involves 4 down lineman and 3 linebackers in the front, behind the line there are 2 corner backs to cover wide receivers and 2 safeties whose position depends on the pass coverage. A team will either be a 3-4 or a 4-3 defense. There are four main types of defensive plays. The rush is where the defense reads the play and pushes pass the line to stop or sack the quarterback to stop the pass or the run. The Blitz is where a specific defensive player will head for a quarterback sack to disrupt the play and rhythm. Man-to-man defense is where when every receiver

The Offense - The Very Basics


The Offense consists of the line-

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The Field

A football field is 100 yards (300 feet) long. The middle of the field is marked with a 50, and the numbers go down toward each end. The end is called the end zone. Each end zone belongs to one of the teams that are playing. In fact, that whole side of the field, from 50 down to 0, belongs to that team. A goal post, which looks like the letter U, is mounted on each goal line. The lines on the sides of the field, or the side lines, are out of bounds.

If the guy catches it, great! If not, you have 2nd down and still 10 yards to go, or 2nd and ten.

or by catching the ball in the end zone.

4th and ten

The Point After

Downs

When a team first gets the ball, they get four tries (downs) to move the ball ten yards. They can do this either by passing or running with the ball. Eleven players are trying to stop this from happening.

If the team fails to go ten yards in three plays, then 4th down comes up. The team now has a choice. They can kick it to the other side of the field (punt), try for a field goal, or try to go the rest of the ten yards for a new set of tries (first down). Getting first downs is very important, because that is how you keep possession (allowing your team to score), moving the ball towards the other teams end zone so you can score. The game is played for four 15-minute quarters. The game clock stops a lot, and there is a 15-minute half time, so games usually last about three hours.

Following each touchdown, the ball is placed on the 20-yard line, and the kicker tries to kick the ball through the goal posts. This is called the point after, and the kicker usually makes it.

Field Goal

A field goal is worth 3 points. The ball is placed at the appropriate spot where the kicker then kicks the ball through the goal posts. A field goal is usually attempted on a 4TH down. I hope this helps those of you who want to watch football understand it better. When you do, its a great way to spend a Sunday afternoon (or Monday evening) With friends and loved ones. W Mimi Zelman Publisher Women With Know How

1st and ten

How to Score Touchdowns

On first down, everybody is optimistic and ten yards doesnt seem all that far. The quarterback (the guy who gets ball first) may decide to throw the ball to someone (a receiver) a few yards down the field.

Players try to cross the goal line leading into the end zone to get a touchdown. Touchdowns are worth six points. A touchdown can be scored either by a player running with the ball across the goal line

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PROFESSIONAL SPOTLIGHT

Wendy Whitehurst
Custom Marketing Solutions, Inc.
By Mimi Zelman

How did you get started in this business?


Custom Marketing Solutions was created in April 1996 after I worked for three years with Time Life Custom Publishing. Fifteen years ago, remote employees were non-existent. When our family was transferred back to Charlotte from Alexandria, VA I had to form CMS, Inc. and work as an independent contractor to remain active with Time Life. In our 15th Anniversary, CMS, Inc has taken a different path than when formed in 1996 working primarily with local rather than national clients.

What is your background-what were you doing before this business?


I graduated from UNC Chapel Hill and went on to get my MBA at Queens in Charlotte, NC. While obtaining my degrees, I worked in retail. Upon graduating from Queens, my family moved to Alexandria, VA where I began working

for Time Life. I have publishing experience from custom published books for clients like Pampered Chef, Coleman, Longaberger, USPS and magazines for Thomasville Furniture, Lexington Home Brands and the May Company to slight customization of a book for companies like Liz Claiborne, American Express, and AAA as well as customizing other printed products such as a calendar for Staples to use as a business solutions incentive and note cards as a gift with purchase for Parisian department stores to heighten awareness during breast cancer awareness month. Most of this was through CMS, Inc. working with major publishers like Time Life or Hearst Corporation as a resource.

What is a good early story about your business?


My business today is different than it was from 1996 to 2003. During this time I focused on publishing and utilizing printed products as incentives for corporations to

enhance their own marketing programs. In 2003 Hearst Corporation closed their custom publishing division due to revenue not matching goalswe were producing $20 million at the time, but when you have divisions like Oprah Magazine, $20 million equates to pennies. This is where my company took a turn to a more strategic marketing firm. I was approached by Business Leader Magazine who was launching in Charlotte, NC and I became an Independent Publisher. I soon took over the Triad as well. Hosting events, speaking at monthly breakfast meetings and meeting CEOs and Presidents of local companies was an invaluable experience. The contacts I made and still have today catapulted CMS, Inc. to another level. When Business Leader moved their operations to the Philippines a year later and dissolved local Publisher positions across the company, I reached out to the contacts I made. Within two hours I had 6 potential client meetings that ranged from business devel-

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opment, gaining exposure for their business, connecting executives to other executives, event planning all kinds of various needs. I obtained four clients right away that included Direct Print Imaging who I nominated for the Fast 50 Award through Business Journal which they won and also helped them tap into the private school and college market locally by connecting them with the leadership of the schools. Additional clients were added, some monthly clients, some just on a project basis. The business still focuses on strategyexposure, social media, events, sales coaching, business analysis and overall, connections to grow your business.

their moneys worth and then some with me. That made me happy. I always want to exceed expectations.

Do you do any charity or non profit work?


I have a company that operates not for profit called Not Just Shopping. It was formed in 2001 and has been active with 8 to 10 events up to 2009. I have a network of about 400 vendors that participate in events and donate a portion of their proceeds to the designated charity. There are typically 20-40 vendors per event. They each pay a fee to participate. The entire fee, except table rental and insurance, is donated to the charity. Our main venues were the Wachovia Atrium and the Harris Y. In 2009 the Y decided to change their policy for hosting events in the common areas of the Y (including their own events). Insurance for just holding events at the Atrium was not feasible if donations were going to be worthwhile to the charity. I would love to have Not Just Shopping become active again, but need high traffic venues that

are willing to partner to publicize events. Donations could go to the charity of that venues choice. The Y partnership was perfect for us. If anyone can help nail down a couple venues that would partner with Not Just Shopping to get these events going again, please contact me.

Who are some of your most notable clients?


Some of my early clients included national clients because of the nature of the business and included American Express, WyethLederle, Liz Claiborne, Discovery Toys, Staples and others. As the strategic business formed after my tenure as Publisher the business became localized. I absolutely love relationship building and visiting my clients face to face. E-Mail is great, but nothing beats an in person meeting. Local clients include: Cornerstone Financial Partners, Sabrina Winters PLCC, Tweet My Jobs, Direct Print Imaging, Alliance Benefit Group, Blair Bohle and Whitsitt, Fogle Insurance Group, Ada Jenkins Center (non-profit), and others.

Is there a customer experience you are most proud of?


One of my current clients, Cornerstone Financial Partners is a success story. They have been featured in local publications a dozen times since November; have won a half dozen awards since November, a newly design web site has been launched and we are currently working on improving the brand by redesigning their logo. The partners say that they have not received the exposure I have brought to them since November over the entire course of their existence when formed in 2001. This summer I also had the pleasure of working with Dell Curry and the Ada Jenkins Center to market the Curry Celebrity Classic. CMS, Inc. was up against three other firms that are much, much larger. After presenting what I could bring to the table (Jim Szoke as the spokesperson, free press in three local publications as well as the additional paid exposure I had planned) they chose Custom Marketing Solutions hands down. I have since been told that they got

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What would you most like the reader to know about your journey in business?

Dont ever force your path. Various life changes have created the path for my business. A move to Alexandria, VA after obtaining my MBA and temping for Time Life which lead to a permanent position in the custom publishing division started my career. I was an Economics major with an MBA with a concentration in finance. My plan was to go to work with Arthur Andersen consulting or become an Economic Analyst with the CIA. I was temping while interviewing. A career in Publishing was not planned. I started my own company when I moved back to NC and could not remain an employee with Time Life. I needed to utilize additional resources when client needs could

not be met by exclusively utilizing Time Life Books so I began working with all of the major publishers. I evolved into custom published magazines when an executive with Time Life moved to Hearst. Hearst Custom Publishing dissolved and I was approached to become Publisher of a magazine. I truly thought that would be my career. When Business Leaders operations moved to the Philippines, I was taken to the path that lead CMS to the company it is today. Just following life changes and going with it. Of course there was strategy and making good decisions along the way, but nothing was forced or out of desperationit just evolved. I have been very fortunate. W

Wendy Whitehurst

Custom Marketing Solutions, Inc Charlotte, NC wendy@custommarketingsolutionsinc.com 704.544.1151 www.custommarketingsolutions.com

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www.womenwithknowhow.com AUGUST 2011

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Rita Miles, Charlotte SEEN, LLC 637 McNinch Street Charlotte, NC 28208 FOR IMMEDIATE RELEASE As a valued member of the Charlotte community, we want to start by saying thank for your support of Charlotte SEEN and all of our business endeavors. As you know, there are two fashion weeks taking place this year September 19-24, 2011. Charlotte Seen Fashion Week is a brand owned by Charlotte Seen and the runway shows will be taken place at Gateway Village located 800 West Trade Street. Charlotte NC Fashion Week is a brand owned by PLITZ Fashion Marketing and the runway shows will be taken place at Epic Centre located 210 West Trade Street. Charlotte has grown and expanded in the fashion industry and with the citys help, and the help of many business owners, Charlotte is being recognized as the home of many designers, well-known boutiques and one-of-a-kind fashion events. But like any industry, the fashion seen in Charlotte has grown and Charlotte SEEN has opened up to bring new avenues for designers, boutiques, salons, models and the fashion-forward thinkers in the often forgotten South to BE SEEN and explore their passion. Charlotte SEEN is currently experiencing some backlash for having reached out to bring more fashion, more creativity and more awareness to the city that we call home. We would like to thank you for your continuous support of Charlotte SEEN and both productions Charlotte Seen Fashion Week and Charlotte NC Fashion Week as we continue to bring fashion-forward events to the city and region around us. For more information about Charlotte SEEN or Elevate Lifestyle, please visit www.charlotteseen.com and www.elevatelifestyle.com For more information about Charlotte Fashion Week, please visit www.charlotteseenfashionweek.com.

www.womenwithknowhow.com SEPTEMBER 2011

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WELLNESS

By Vickie Bunzey

Chew Before Swallowing

I have made it a rule to give every tooth of mine a chance, and when I eat, to chew every bite thirty-two times. To this rule I owe much of my success in life. -William Gladstone

Im sure you have heard of or if even have read the books about why the French stay skinny even though they eat foods in heavy cream sauces, butter and then have those wonderful desserts. It could have
something to do with their mindful eating practices. The French are known for savoring and enjoying their meals for up to two hours. Meal times are enjoyable, social and slow. This practice allows the body to receive and acknowledge that it is being fed and allows the brain to signal when you are full. We, however, are a very distracted society of eaters. We eat while working, reading, talking, watching television and driving and swallow our food practically whole. On average we chew each bite only eight times. Its no wonder that many people have digestive problems.

days most of us rush through the whole eating experience, barely acknowledging what were putting in our mouths. There are many great reasons to slow down and chew your food. Saliva breaks down food into simple sugars, creating a sweet taste. The more we chew, the sweeter our food becomes, so we dont crave those after-meal sweets. Chewing reduces digestive distress and improves assimilation, allowing our bodies to absorb maximum nutrition from each bite of food. More chewing produces more endorphins, the brain chemicals responsible for creating good feelings. Its also helpful for weight loss, because when we are chewing well, we are more apt to notice when we are full. In fact, chewing can promote increased circulation, enhanced immunity, increased energy and endurance, as well as improve skin health and stabilize weight.

When it comes to increased health, its not just what we eat but how we eat. Digestion actually begins in the mouth, where contact with our teeth and digestive enzymes in our saliva break down food. But these

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Taking time with a meal, beginning with chewing, allows for enjoyment of the whole experience of eating: the smells, flavors and textures. It helps us to give thanks, to show appreciation for the abundance in our lives and to develop patience and self-control. The power of chewing is so great that there are stories of concentration camp survivors who, when others could not, made it through with very little food by chewing their meager rations up to 300 times per bite of food. For most of us 300 chews is a daunting and unrealistic goal. However, you can experience the benefits of chewing by increasing to 30 chews per bite. Try it and see how you feel. Try eating without the TV, computer, smart phone, newspaper or noisy company. Instead just pay attention to the food and to how you are breathing and chewing. This kind of quiet can be disconcerting at first, since we are used to a steady stream of advertising, news, media, email and demands from others. But as you create a new habit, you will begin to appreciate eating without rushing. You have to eat every daywhy not learn to savor and enjoy it? W

For more nutritional and weight loss information, Vickie may be contacted through:

Vickie Bunzey

Certified Holistic Health Coach Director, Renew Weight Loss www.RenewWeightLoss.com www.YourBalancedHealthstyle.com www.SimpleWholeFoodNutrition.com 704-708-4437 704-995-1951 Cell

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15

CAREER

The Hundredth Monkey


By Amy Wartham
Director of Corporate Training

Theres a story that goes like this.... Its the story of Japanese scientists who provided sweet potatoes for the macaque monkey on Koshima Island back in 1952.

The monkeys liked the potatoes, but not the dirt on them. One young, female monkey discovered that the dirt could be removed by washing it in a nearby stream. She taught this to her mother. Over a period of time, more and more younger monkeys began washing potatoes before eating them. Between 1952 and 1958 most of the younger monkeys learned to wash the dirt from the sweet potatoes to make them more palatable. Many of the older monkeys continued to eat the dirty potatoes. Only the adults who imitated their children learned this social improvement. Then in the autumn of 1958, though the exact number is not certain, 99 monkeys were washing the potatoes. And then 100 monkeys. By the next day, all the monkeys on the island thousands of them - were washing their potatoes. The added power of this hundredth monkey somehow created an ideological breakthrough.

Thus, the 100th Monkey Principle.

What does it take for an idea to gain traction in your company? Are you one of the individuals who sets the curve with new and innovative

ideas? Or are you one the laggers that waits until just about everyone else has gotten on board before making a move? We find that with the Hundredth Monkey Principle that there comes a time when critical mass is achieved and growth accelerates. But it takes sustained effort to put a change in place and continued support when the surrounding environment does its best to maintain status quo. To keep things as they are. To remain in place. With the state of the world shifting so rapidly around us, we need to be able to change with it. This is the only way you and your organization will continue to grow and prosper. A changing environment is now a constant and yet, change is never easy. We can relate this to any number of initiatives that may be happening at your organization, but since Im in Learning and Development, I see it time and time again in many of the organizations that we work with. When a participant is in a training class, they are engaged and actively involved with the other participants, the facilitator, the group exercises etc. They pick up tools and techniques that can be useful and applied to their jobs. As they are applying some of the concepts they have learned, they might even think to themselves, This is great! Im going to take this back to the office and try it out. Yet, once they are back in

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their office, they automatically revert back to the tried and true methods and processes that they have relied upon in the past. We have to keep in mind that change is not an event, its a process. Its knowing where you are today, making the necessary change for improvement, maintaining and supporting the momentum for the change which eventually leads you to where you want to be. To make change initiatives successful and sustainable here are some specific things that need to take place:

pen and heres the benefit to you. how detailed or sophisticated, are always destined to fail, unless and until organizations recognize that sustainable and long-term change only comes from engaging the whole of their workforce in the desired outcome. This begins at the top and needs to built into every layer of the organization. If the hourly workers see the CEO doing the same activity that they are then the change will be more readily adopted and accepted.

Create buy-in. Change programs, no matter

Create a sense of necessity.

Create a clear vision. People want to know why they are doing the things they are. Be able to provide your employees with solid reasons of why the change is taking place and why it will create marked improvements in your organization. Let them know, If you do X, then Y will hap-

Create enthusiasm. You have to have passion

and optimism for the new change that you want to create. This enthusiasm creates endorphins in your body that are essential for change. In her landmark research on endorphins, Candace Pert found that endorphins are largely responsible

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for how you learn, change and retain memory. The best way to make endorphins is through real, honest connections with people. It used to be thought that the runners high or sex produced the most endorphins in the body. What scientists now find is that intimacy, genuine communication and inspiration produce far greater amounts of endorphins. They give a person heart and meaning and the enthusiasm for change.

sense of unparalleled satisfaction. Just like the monkeys changing their habits to include washing their food before they ate it, you too may have to change your habits in order to improve your organization. Dont be like to older monkeys and wait until everyone else is doing it go out and make the change happen on your own terms. W

fully changed unless you measure the results? Are you trying to change a process that improves delivery time which ultimately impacts customer service and your repeat business? Are you trying to reduce your employee turnover? When you are able to see where you were and now, where you are and be able quantify those results, you will achieve a

Create sustainable and measurable results. How will you know if youve success-

Amy Wartham

Director of Corporate Training UNC Charlotte Extended Academic Programs 8701 Mallard Creek Road Charlotte, NC 28262 Office: 704-687-8723 Cell: 704-345-8253 awartham@uncc.edu http://continuinged.uncc.edu/corporate

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13

FINANCE

Costs Keep Going Up


CFP CERTIFIED FINANCIAL PLANNER

Are You Prepared?


of assuming that the income they will need to meet their living expenses in the first year of retirement will be consistent throughout their lives. To determine a more precise estimate, you must inflate your income need each year. For example, if you estimated a retirement income need of $50,000 per year for 30 years that would indicate total anticipated spending of $1,500,000. But if you assume that inflation will boost living costs by 3 percent per year (from the first years income need of $50,000), the total income required would actually be more than $2,375,000.

By April M. Oliver

choice but to pay up, but rising costs can be a big challenge during retirement. Future retirees will be forced to dig deeper into their savings to maintain their desired lifestyle, or may have to simply cut back in order to make ends meet.

Many people have likely experienced sticker shock this year as prices increased significantly at the gas pump and the grocery store. Consumers have no

The recent uptick in the cost of living is a reminder that life gets more expensive over time. This is important to keep in mind as you plan for your retirement. For retirees who are in good health, life after leaving the workforce could extend on for two or three decades.

Adjust your goals accordingly

If you anticipate a lengthy retirement, it is important to recognize that the loss of purchasing power will be one of the most critical risks to overcome. Even if the annual cost of living average increases at a modest rate of 3 percent during your retirement, your living expenses will theoretically double in less than 25 years. Many preparing for retirement make the mistake

The reality of purchasing power risk is opposite of what many expect to happen with their portfolio in retirement. Typically, retirees tend to keep money invested in relatively safe vehicles such as FDIC-protected savings accounts and fixed income investments such as Treasury securities. Although you may retire from work, you cant retire from investing. Due to the consistently increased cost of living, simply putting all of your money into fixed income investments and living off of it isnt the answer. Over time, youll discover that the income generated is not keeping up with inflation.

A tiered approach to managing money

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A different solution to consider once you reach retirement is to split your savings into different buckets of money. These include: Cash to meet immediate income needs over the next 12 months, keep enough money in safe, liquid accounts that you can access freely to pay current expenses. Short-term investments you dont want to risk money that must be in place to fund income needs in the near future. You should consider setting aside enough savings to meet another 1-2 years of income needs in investments with no (or limited) principal variability, such as certificates of deposit or short-term bonds. Protecting principal remains a high priority for this segment of your money. Long-term investments money that is not needed in the next few years to fund your income needs should be invested more aggressively, with the goal of generating capital appreciation. Investments can include a diversified mix of stocks, bonds, cash and other assets (such as real estate or commodities). This portion of your money is treated very much like the portfolio you maintained during the accumulation stage of life. Be sure to assess your risk tolerance before determining an asset mix. From time-to-time, money is shifted out of this bucket and set aside for income needs in approaching years (in either cash or short-term investments).

you access to cash, investments with protected principals and long-term investments that may potentially generate capital. W Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification does not assure a profit and does not protect against loss in declining markets. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. 2011 Ameriprise Financial, Inc. All rights reserved.
April Oliver, CFP CERTIFIED FINANCIAL PLANNER practitioner Advisor is licensed/registered to do business with U.S. residents only in the states of CA, CO, FL, IA, MD, MI, MO, NC, NY, OR, PA, SC, TN, TX, VA.

Protecting your future

Retirees must accomplish a delicate balancing act with their money. The tiered approach allows

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BUSINESS

Women: What Are We Doing To Ourselves?


By Robyn Crigger, CEO
Compass Career Management Solutions OI Partners Inc.

moms (some by choice), who work at least one job, if not two or three. Many women, who are married, still cant afford to stay home, as the tion to women in the workplace happened in cost of living requires most households to have the early 1940s during WWII. As generations at least two incomes to cover expenses. of women went to work, adjustments developed Next, our society has become very for families. Faster and more active, with children in a variety of efficient appliances were With these images sports and social organizations, supposedly developed to which require car pooling. Of help save time for the little in mind, it isnt hard course, since many of our citizens woman. However, even with are living longer, aging parents dozens and dozens of fastto understand why have become more dependent on paced appliances, microtheir grown children for care. wave dinners, drive-through

Women have been in the workplace for a LONG time now. The big introduc-

restaurants, etc., have the lives of women become any easier?

women today are the most stressed people in our society.

There was a time in the 1950s when TV shows still depicted women/ housewives in dresses and aprons with their hair and make-up all in place (i.e. Father Knows Best, Donna Reed Show, Leave It To Beaver, etc.), though this was NOT reality. Fast forwarding to the 2010s, womens lives have dramatically changed. Unfortunately, more women have found themselves as single

As we see our aging parents with their health issues, we have become more concerned about our health, so we try to squeeze in our exercise, yoga, etc. (Note that this is not a bad thing!) With these images in mind, it isnt hard to understand why women today are the most stressed people in our society. This is a fact announced on the Evening ABC National News in August (2011). Women are natural caregivers, which is good, except we dont care for ourselves!

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Recently, I was told that the number one killer of women in the U.S. today is heart attacks/disease. Is anyone surprised? I am proud of all the many wonderful things that women are doing today, but it saddens me to see how we are treating ourselves. Now is a time to take serious stock of our lives and see what we can change. With our work taking up the majority of our time, perhaps we can start there. Are you in the type of work that fills your passion and allows you to use your natural skills and abilities? How well do you manage your time at work? Do you eat healthy during the day? All readers are encouraged to come to hear Dr. Beth Perry speak to the National Business Womens Week Luncheon at the Omni Hotel in Charlotte on Thursday, October 20, 2011. You can register to attend at www.mbpw.org, clicking on the NBWW tab. Listen and learn how to take better care of ourselves. In turn, hopefully, our daughters, nieces, etc. will do better. W

Robyn A. Crigger, CEO/Owner

OI Partners Inc.-Compass Career Management Solutions www.compasscareer.com VISIT ROBYNS BLOG -http://transitionalbusinessconcerns.blogspot.com 704) 849-2500; FAX (704) 845-2420

www.womenwithknowhow.com SEPTEMBER 2011

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REAL ESTATE

By Carol Schulenberg
Owner & Principal Stager Ballantyne Home Staging ASP

Practical Home Staging Advice


room. It is a good idea to have lights on in the rooms that face the street in the evening hours so a potential buyer driving by sees a welcoming house inviting them inside.

Eliminate Clutter.

This is the first step in preparing a home to sell. Box up extra books, toys, clothes, etc. Homeowners need to whittle down huge photo displays to a few frames. Pack up collections and knickknacks cluttering bookshelves, desktops, dressers and end tables. By the way anything that has more than 3 pieces is considered a collection. A good way to utilize those photo collages without having to spackle & paint the walls is to use beautiful prints from magazines or calendars of scenic places you would like to visit or have vacationed, maybe just finding beautiful landscapes, flowers, or beaches. Simply place these images over your family photos and hang the frames again. Now, instead of a wall of family photos, you have a cohesive and simple selection of peaceful images. TIP: Similar frames (examples A & B below), identical matting (example A below ), and similar images (example C below) make picture groupings work best.

Pull up the shades and draw back the curtains! Natural light invokes positive emotional responses. During showings, turn on every light in every

Show Me the Light.

You dont want potential buyers initial thought to be, Well, Id have to repaint the whole house, its crazy in there! so consider repainting dated colors, trendy colors, and bright-hued walls before you start showing. Neutral is NOT boring and does not need to be antique white. There are many beautiful complex neutrals available today. Safe colors include Sherwin Williams Softer Tan and Macadamia, but I always try to select colors that complement the homeowners furnishings so the colors may include green or gold undertones. Remember that a room is balanced and livened up through movable colors -- artwork, textiles, lamps, accessories, and rugs. All of which add visual interest, but the buyer knows youll take them with you AND they dont have to repaint anything.

Make the Background Neutral.

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Create a Lifestyle.

If you think your home might appeal to someone who entertains, go ahead set the dining room for a formal dinner party. Some Realtors do not like this staging technique, but it works well in homes clearly built for entertaining. Creating a spa-like haven in the master bedroom is always recommended, especially if the stunning master bathroom is a selling point. If a buyer is looking for an upgraded lifestyle, it will benefit the home owner to help them imagine one.

eucalyptus in the bathrooms and fresh citrus scents in the kitchens are nice touches.

Clean, Clean, Clean!

Neutralize Odors.

If youre selling your home, dont stash clutter in the closets or have a fridge full of messy takeout containers. Buyers will be inspecting every square footand that means you should, too. Store clutter in neatly stacked boxes in the garage or basement if you have one; if not, go ahead and invest in a storage unit. The house should be Q-tip clean!

Open the windows and let fresh air flow through your home. Sprinkle baking soda in the bottom of trash cans and place a box of it in the fridge to absorb unpleasant smells. You cant sell it if you can smell it. Place pet bowls and litter boxes out of sight or in the garage for showings. Soft scents such as lavender in the master suite,

Rethink The Furniture.

If taking out a few pieces of furniture would make a room feel more spacious, then do it especially if your furniture is over-sized and overstuffed. Put rarely used pieces like extra dining room chairs in storage and rearrange whats left to maximize each rooms space. One thing to

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hold on to: items that double as storage, like an ottoman with a lid, where you can stow clutter at the last minute. And remember that it is perfectly okay to have empty corners.

Dont Forget the Outside.

The house address/house numbers should be big, shiny and easy to read. This is so easy to do with a can of exterior spray paints from any hardware store or superstore. A $3.00 can of Krylon or similar product provides a fresh new look in 10 minutes! Landscaping should be pristine and give the impression its easy to maintain, so opt for simple over fancy pruning designs. Finally, the garage and shed should be in reasonable order, too. W

Carol Schulenberg Owner & Principal Stager Ballantyne Home Staging ASP,CfYH Color Consultant,Certified Decorating Professional Phone: 980-322-5825 www.ballantynehomestaging.com

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www.womenwithknowhow.com AUGUST 2011

WELLNESS

Cheat Day
is Half-Baked
By Sunny Ayayla

This is weight managements biggest enemy.


about consistency, not a roller coaster of peaks and valleys. When I have a client come in for their consultation, I always tell them that my main job is to get them off the roller coaster. I have never had a client come to me who already had the consistent, steady-diet mindset. Those who have that mind set rarely find themselves needing to lose more than 5 or 10 pounds. Those who ride the roller coaster tend to have a life-long battle with the scale. Cheat day feeds the roller coaster mentality. Any thought that takes you to an extreme in your diet (and by diet I simply mean what you are eating, not some deprivation list of cant-have foods) is dangerous. Cheat day, though it is only one day, is still an extreme. It takes you off the steady track and puts you either on a mountain top or in a valley for the day. Keeping this kind of mindset makes it impossible to ever get off the roller coaster completely. The heart behind it is good, I believe. Take time to enjoy the things you really like to eat. Dont deprive yourself of everything all the time. I subscribe to this philosophy and find that it makes

this day as their off day from working out. Have you heard people (maybe yourself) say, This is my free day, so I can eat whatever I want.? And then watch as a half of a cheesecake and a whole bottle of wine disappear? I have too! While it might seem funny, for me, this is an issue. The biggest problem with our current mentality is that it is Extreme! Everything has to be all or nothing, take it to the wall or dont take it at all. People say that they do well all week long, so they get to reward or treat themselves to a smorgasbord of whatever sounds good on that one precious cheat day. This is weight managements biggest enemy. Weight management is

A lot of people, including some trainers, adhere to what they call a cheat day, or a free day. What this means is that they pick a day where they get to eat whatever they want without feeling bad or giving thought to what it is. To make matters worse, some use

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weight management more appealing and more sustainable. But I subscribe to it on the steady course verses the roller coaster. So how do you fit that in to the faithful road of continuous balance? You eat things you like everyday. Be mindful of what you put in your body every time and all the time. If you want a cookie, eat it. If youre going out to eat, have a drink if youd like one. But keep it in the balance of your proper caloric intake for the day. If you dont know youre the number of calories that is best for your goals, you can have a metabolic test done to find out. On the days you workout harder or longer, you burn more calories. That can translate into more food freedom. On the days you dont workout, keep the indulgences to a minimum. If you fill each day with wise choices and things you enjoy, cheat day is not necessary. And you will stay the course towards healthy living that doesnt involve peaks and valleys. Heres to your balance! W

Sunny Ayala

Owner of Fitness Instruction Today 8041 Corporate Center Drive Suite 100 Charlotte, North Carolina 28277 www.fitnessinstuctiontoday.com ayalasigns@aol.com Phone: (704) 763-5662

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COVER

Connect and Grow With Women In Our Community

Violeta Moser
Executive Director Latin American Womens Association
By Mimi Zelman
Violeta Moser is the Executive Director of The Latin American Womens Association. She is a bicultural and bilingual native of Lima, Peru. Violeta moved to the US as an international student to attend Montclair State University. Violeta has an extensive professional experience with the banking industry in the areas of operations, administration, and procurement. She moved to North Carolina from Connecticut to join a major foreign bank. In 1997 she became a Senior Training Consultant with a training company providing basic and technical skills, language and cultural training for the evolving American textile industry in Latin America. Throughout this period Violeta has been deeply involved with the growing Hispanic/Latino community serving in many organizations in different capacities. Her educational background and work experience, combined with her cultural background and language skills have provided her with expertise on issues related to the Hispanic/Latino markets and community. Violeta is a very active member of her community. Her current activities include Board Membership on the North Carolina Arts Council Board, United Way/ Community Works Advisory Board, Latin American Chamber of Commerce Board, Child Care Resources, Inc. Board and the LatinAmerican Womens Association. Violeta, her husband Bob, and daughter Stephanie reside in Charlotte, North Carolina. When I first met her, she was so warm and friendly, and she is indeed a women with know how! How did you get started in the Not-For-Profit world? I started as a volunteer translating for immigrant patients in a hospital in Pitt County, NC. I joined the board of directors of the Latin American Coalition as my first experience in the non-profit world when I moved to Charlotte in 1992. This experience started my understanding of the different needs of the immigrant community and the role of non-profit organizations as an integral part of a community. My involvement as a volunteer increased and a few years later I became a Chair of the Board. During this time I met and connected with many people from other organizations and learned of opportunities for collaborations and partnerships. This experience exposed me to a community that was just learning about the Hispanic community. How has your prior career experiences prepared you for your journey with The Latin American Womens Association (LAWA)? I have used every aspect of my professional skills and businesswoman experience to assist LAWA over the last 5 years. Just until 3 years ago, LAWA was an all-volunteer organization with no staff; volunteers raised funds through annual dinner-dance events to provide small financial scholarships to Latino students attending college. Although this model worked well for more than a decade, the increase of Hispanics in Charlotte with a variety of socio-economic needs also require an organization with greater

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resources. Three years ago, in my role as Chair of the Board, I used my experience to lay out a plan to restructure the organization to increase its impact in our community. What would you most like our readers to know about your journey in business? In life? Each one of the experiences gained over the three different careers I had in a nearly 30-year journey has served to help me draw the best instincts to make decisions as an adult in my personal and professional life. Nevertheless, the base was set from early life as I was raised in a home with strong family values and faith. I strongly believe that without those values the path would have had greater challenges. This is why I believe that as a society, we owe every child the responsibility of a good and safe home environment. Who would you describe as your mentor(s) and why? Almost 17 years my senior, my first mentor was my oldest brother Rolando who obtained his law degree after he was a father with four children.

He was my role model and the person I looked up to as a child because I wanted to be like him. He gave me advice and coached me through the first part of my school life setting in me the curiosity to learn and never give up when things got tough. He used to say, the tougher the better, the smarter. Whats on your bucket list and why? There are still many places around the world I would like to visit. I am fascinated by world history and old civilizations and I am determined to learn one more language, Italian, so that I can travel freely in Italy. But among the things I would most like to do when I begin to settle down is spend time in the villages of the Andean mountains of Peru, my home country. I would like to live among local people and share culture and traditions. There is nothing like good food and conversation with local people. Finally, I would like to spend my time watching the ocean from a quiet little place somewhere on the Pacific Ocean.

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Any difficult times youd care to share with our readers?? And if so what lesson have you learned? I lived in Peru during a period when I witnessed my country going downhill because of a corrupted government and ruthless dictator. Those were tough times for all. Families and every day people affected by the scarcity of food of a broken system, the abuse of power, curfews and terrorist groups wanting to make a change, but destroying the infrastructure and setting panic among people. From this experience, I learned that no matter how tough situations may be, most people have the strength to overcome hard situations. Most are temporary and there is always the next day. But most importantly, to make a change, people have to be involved and together build a thriving community. If you could do one thing differently in your life, what would that be? I would have become a diplomat and travel around the world after learning four or more languages. The Latin American Womens Association (LAWA) is a non-profit organization, founded

in 1992, by a group of women with the common goal to promote excellence of Latin American women and their families via education. Over the last two decades, the organization has evolved to adapt to the changes and needs of our growing community. LAWA offers new educational programs and cultural activities. They meet the last Monday of every month at The Mint Museum 2730 Randolph Rd., Charlotte, NC 28207 except July, October and December. All meetings at 6:30 PM - 8:30PM. For more information on the wonderful organization visit their website: http:// www.lawanc.org/index.htm W

Violeta Moser

Executive Director Latin American Womens Association 7810 Ballantyne Commons Parkway, Suite 300 Charlotte, NC 28277 Office: 704.552.1003 Mobile: 704.365.4140 www.lawanc.org

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BUSINESS

The Unsewable Button


By Mary Elizabeth Murphy
Everyone, regardless of age, attitude or status, keeps a list. Its a list of goals, both longand short-term, entitled, Things to Do. Its a catalog of milestones which includes both lifelong dreams and daily chores that we keep up on the refrigerator with a magnet. And in most cases, what separates any one of us from becoming a self-made millionaire is our inability to complete that list each and every single day. Everyones experienced a variation on what I like to call the unsewable button. A button has come off of a shirt or blouse, a button that would take you no more than fifteen seconds to sew back on, but the year after that button has fallen off, it still sits on your dresser and the shirt stays hung up and unworn. What is it that keeps us from sewing on that button? What is it that keeps us from completing the tasks at hand that prevents us from reaching our ultimate goals in life? If I told you there was a voice living in your head, yelling at you and sabotaging your every move, would you call me crazy? Chances are, you wouldnt. The fact is that each and every one of us has had a run-in with this voice, the voice of The Saboteur. The Saboteur is that little voice in your head that says, Do it tomorrow, or Thats not important! or Do what you want to do! Your needs are more important than the needs of your job/family member/client anyway! The Saboteur wants you to take the easy path. The Saboteur wants you to have the negative reaction to blow up, or withdraw, or throw a tantrum, or overwork. Quite simply, The Saboteur wants to knock you off-balance and change your focus from the ultimate goal to the immediate release. But that sneaky little voice never says what he wants straight out. Your Saboteur is an expert at softening the blow, and will try to convince you that its evil intentions are actually in your best interest. Because each of us is pre-wired for certain reactions, those reactions are the easy ones. We dont have to think about them, nor do we really have to put forth any extra effort in order to react. We simply do it instinctively. Everyone knows that lashing out is easier than reasoning and that procrastination is easier than taking action. The Saboteur is that little voice in your head that tells you that its acceptable to take the easy route. Its acceptable to take half a day off to get your

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hair done. Its acceptable to put off that sales call so you can watch the US Open on TV. The Saboteur pretends to protect, but in actuality it prevents. It prevents us from reaching our goals by implying that the steps which must be taken to reach those goals are too dangerous. It encourages us to take the easy path rather than take a risk. There are two ways to deal with the Saboteur. The first, and the most common, since it is a sneaky little bugger, is to give in. You might be able to tell from the tone of this article that it is my opinion that that particular option is not the acceptable one. The second way to deal with the Saboteur is to quiet its annoying rant. This is not easy to do, but it is possible. All Saboteurs use the same weapon, logical argument. Saboteurs convince you that your desired course of action is the wrong one to take, the path most difficult, the path most frightening. One of the best ways to beat them is to reason with them. And the best way to reason with them is to be reasonable with yourself. Take a moment and consider your core values. Remind yourself why they are your core value - values which cannot be changed because they are the cornerstone of your life. Do you know what your core values are? List those values which are most important to you. Youd be surprised how many of us are compro-

mising our core values on a daily basis because we refuse to recognize that we are doing so. Listing those values forces us to recognize that those values are steady and unchanging. The battle with the Saboteur is, in the end, a battle between distractions from what you said you wanted to do and what is Right (based on your values) for you to do. Your core values list, your personal view of what is Right, will help you complete your goals and move you closer to your own success. W Mary Elizabeth Murphy, CPCC, ORSCC is Managing Director of S.T.A.R. Resources, a performance management consulting, coaching and education firm that specializes in creating environments in which people want to work. She is an expert at helping individuals and organizations to earn more, produce more and achieve more. She is the author of RESET Your Buttons. You can reach Mary Elizabeth at 704-535-5610 or info@starresources.biz.

Mary Elizabeth Murphy,

CPCC, ORSCC Managing Director S.T.A.R. Resources - Strategic Teams Achieving Results Creating Environments in which People Want to Work Since 1993

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Family Features

Set the Stage for Simple Summer Entertaining


Movie night bites bring family and friends together

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Skewered Greek Salad


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to host a fun gathering with easy-to-share fare, delicious wine pairings and a great movie? When it comes to movie night entertaining, Emmy award-winning chef and cookbook author Giada De Laurentiis recommends serving sharable nibbles and setting the scene with inspired wine pairings. Planning a get-together soon? Try one of these entertaining-ready recipes, complete with Bella Sera wine pairings, for further inspiration. For more movie night recipe ideas from Giada, and wine pairing tips, visit www.bellaserawine.com.

Long summer evenings present a perfect opportunity to celebrate good wine, good food and the good company of family and friends. What better way to create a beautiful evening than

Piadina with Fontina and Prosciutto

Bella Sera Pinot Grigio is light-bodied, refreshing and has a hint of citrus its the perfect complement to lighter recipes on a warm summer day. Celebrity Chef Giada De Laurentiis

Piadina with Fontina and Prosciutto


Yield: 4 to 6 servings 3 1/2 1/2 1/2 room 2 1 2 3 cheese 4 1 cups all-purpose flour, plus more for dusting teaspoon baking soda Fine sea salt cup (1 stick) unsalted butter, cut into 1/2-inch pieces, at temperature tablespoons olive oil 15-ounce container (2 cups) whole milk ricotta cheese teaspoons grated lemon zest (from 1 to 2 lemons) Freshly ground black pepper cups (6 ounces) grated Fontina ounces prosciutto, thinly sliced cup chopped fresh basil leaves

Combine flour, baking soda and 1 teaspoon salt in bowl of an upright mixer fitted with dough hook attachment. Add butter and mix on low speed until incorporated, about 2 minutes. With machine running, slowly add up to 2/3 cup water, until mixture forms a dough around hook. Transfer dough to a lightly floured work surface and knead 5 minutes, or until smooth. Cut dough into 4 equal pieces. Form into disk shapes and wrap in plastic wrap. Refrigerate for 30 minutes. Place grill pan over medium-high heat or preheat gas or charcoal grill. On lightly floured work surface, roll out each piece of dough into an 8- to 10-inch circle, about 1/8 inch thick. Brush each circle with olive oil. Grill for 4 minutes on each side. Remove piadini from the grill and let cool slightly. Combine ricotta cheese and lemon zest in a small bowl. Season with salt and pepper. Spread each piadina with 1/2 cup of the ricotta mixture. Sprinkle with Fontina cheese evenly over ricotta cheese. Arrange prosciutto slices on top of cheeses. Cut each piadina into 8 wedges and transfer to a serving platter. Garnish with chopped basil.

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Apple Zeppole with Cinnamon Whipped Cream

Reprinted from Giada At Home by Giada De Laurentiis. Copyright 2010. Published by Clarkson Potter/ Random House, Inc.

www.womenwithknowhow.com AUGUST 2011

For more movie night recipe ideas from Giada, and wine pairing tips,

visit www.bellaserawine.com.

Skewered Greek Salad Pair with Bella Sera Pinot Grigio


Yield: 4 to 6 servings Skewers: 24 grape or small cherry tomatoes 3 ounces firm feta cheese (see Cooks Note), cut into 12 (1/2-inch) cubes 12 pitted kalamata olives 1/2 small red onion, cut into 12 (1/2-inch) pieces Vinaigrette: 2 teaspoons fresh lemon juice 2 teaspoons red wine vinegar 4 teaspoons chopped fresh oregano leaves 2 tablespoons olive oil Salt and freshly ground black pepper Special Equipment: 12 6-inch bamboo or wooden skewers

For skewers: Thread skewers starting with a tomato, then a cube of feta cheese, an olive, a piece of onion and finally, another tomato. Repeat with remaining ingredients and skewers. For vinaigrette: In small bowl, mix together lemon juice, red wine vinegar and half of the oregano. Whisk in olive oil until mixture thickens. Season with salt and pepper. Arrange skewers on a serving platter. Spoon vinaigrette over skewers and sprinkle with remaining oregano. Cooks Note: Buy feta packed in water; it is moist and easier to skewer and it wont crumble.

All Recipes are from reprinted from Giada At Home by Giada De Laurentiis. Copyright 2010. Published by Clarkson Potter/Random House, Inc.

Connect and Grow With Women In Our Community

Have a favorite movie night recipe? Enter to win!

Share your own movie night inspiration. Simply submit an original recipe, along with a creative movie recommendation and Bella Sera wine pairing for a chance to win. Visit www.bellaserawine.com to enter and to view official rules and prize package details.

Apple Zeppole with Cinnamon Whipped Cream


I love Bella Seras Moscato its slightly sweet and has a hint of peach. Its great as is or with dessert. Celebrity Chef Giada De Laurentiis Yield: 4 servings 1 large apple, peeled and grated (about 1 1/2 cups) 1/4 cup sugar 1 stick butter 1/4 teaspoon salt 1/2 cup water 1 cup flour 4 eggs 1 cup whipping cream 2 tablespoons confectioners sugar, plus more for dusting 1 teaspoon cinnamon Olive oil for frying In medium saucepan, combine butter, salt, sugar and water over medium heat. Bring to a boil. Take pan off heat and stir in flour. Return pan to medium heat and stir continuously until mixture forms a ball, about 3 to 5 minutes. Transfer flour mixture to a medium bowl.

Using an electric hand mixer on low speed, add eggs, one at a time, incorporating each egg completely before adding the next. Beat until smooth. Add grated apple and stir to combine. If not frying immediately, cover with plastic wrap and reserve in refrigerator. Combine whipping cream, 2 tablespoons confectioners sugar and cinnamon in medium bowl. Whip until medium soft peaks form. Transfer whipping cream to serving dish. Meanwhile, pour enough oil into a large frying pan to reach a depth of 2 inches. Heat oil over medium heat until a deep-fry thermometer registers 325F. Using a small ice-cream scooper or 2 small spoons, carefully drop about a rounded tablespoon of dough into hot olive oil. Turn zeppole once or twice, and cook until golden and puffed up, about 4 minutes. Fry zeppole in batches so as not to overcrowd pan. Drain on paper towels. Transfer zeppole to a serving dish and sprinkle with powdered sugar using a small sieve. Serve with cinnamon whipped cream alongside for dipping. Recipe courtesy of Giada De Laurentiis As seen on Everyday Italian in episode Apres Ski.

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For Immediate Release

Samantha Busch to host the 4th Annual Charlotte NC Fashion Week Uptown at the Pavilion in the Epicentre
inspired designs, mens custom tailored suits and couturedinner jackets, and designs made of all natural and sustainable green fabrics. New to this years program is a childrens runway show scheduled on Thursday, September 22. The retailer, Gap Kids, will style the selected children ranging between the ages of 3-12. Charlotte Fashion Week has partnered with parties and play venue, Monkey Joes, to host a meet and greet that will give the young models and their families an opportunity to interact and meet the production team. In addition to being back in the heart of Uptown Charlotte for a second year, the Pavilion at the Epicentre, known for being the nightlife and dining hub of the city, will host this years CNCFW. During the four-day event, the Epicentre will become Fashion Week Central, catering to stylish guests from around the region and providing a nightlife experience synonymous with fashion weeks around the country. This year, audiences can expect to see an eclectic group of more than 21 emerging designers and retailers, special guests and celebrity appearances, as well as live commentary from the red carpet with Samantha Busch. Each night following the shows, guests need only walk a few steps where they can enjoy live entertainment and after parties and rub elbows with some of the industrys top professionals. During the day, guests can enjoy lunch and dinner specials as well as an afternoon wine and champagne tasting and shopping experience at several of the local boutiques in the Epicentre. We are also excited to have key partners this year that include the Art Institute of Charlotte and Jierh Communications Group states Simons. The Art Institute has taken on a significant role this year by including many of its interactive media, graphic arts, and photography students in the production of the visuals included in the show. The Jierh Communications Group will create an exclusive VIP gifting suite experience for guests attending the opening night mixer, hosted by the American Cancer Society, and will include several brand name exhibitors. Additional sponsors for CNCFW include Dolce Lusso Salon and Spa, LaNore Divine Shoes, Dessert Specialists, 15 North Roadside Kitchen, SUITE, Fox News Rising, Action Graphics, and Lake Norman Photography. The Blake Hotel is our official hotel sponsor for fashion week. Media sponsors covering the event this year include Fox News Rising, print publications Monarch Magazine, Uptown Magazine, Charlotte Magazine and national publication, Sheen Magazine. Online publication sponsors include WINK Magazine, Women with Know How, and N-Demand Magazine. About Charlotte NC Fashion Week: Charlotte NC Fashion Week was esablished in 2008 as a way for emerging designers to reach a broader audience of consumers, style experts, boutique buyers, and members of the media. CNCFW launched its inaugural event that year at the Blake Hotel. In 2009 The Mint Museum of Art was home to Charlotte Fashion Week, and in its most recent year, the Bank of Americas Founder Hall and the Urban Garden served as venue host. The annual event attracts thousands of people from across the country to the Charlotte area and provides opportunities for a variety of small businesses and industry professionals to network with one another and conduct business. Furthermore, Charlotte Fashion Week supports and illuminates the citys expansion of fashion, art, and culture by adapting to changes in todays economy and creating ways for those in the industry to affordably advertise their products and services on a local and national level. Tickets for Charlotte NC Fashion Week range between $45 for an advance general admission ticket and $75 for advance VIP tickets. Tickets can be purchased through the events website: www.CharlotteNCFashionWeek.com For public relations and media inquiries please contact Angela Han. Angela@CharlotteNCFashionWeek.com Mobile 704-906-2806 Fax 888-644-9230

Charlotte, NCAugust 2, 2011 Samantha Busch, wife of NASCAR driver Kyle Busch, signs on to host the 4th AnnualCharlotte North Carolina Fashion Week (CNCFW) scheduled September 21-24, 2011 at the Epicentre Pavilion Entertainment Complex in Uptown Charlotte. The Haute Couture Sponsor of this years show is INSTYLER, maker of the popular hair curling iron. We are extremely excited to have Samantha and INSTYLER take part in Fashion Week this year, states Anthony Simons, Director of CNCFW. This year the event will begin on Wednesday with a special fundraiser and mixer hosted by the American Cancer Society. The event will benefit the charitys 2012 Cure by Design initiative, which joins the fashion, design, and retail communities with the local corporate community to benefit the American Cancer Society. The focus of this special evening is to spotlight designer fashions, and more importantly, the cancer survivors who model these designs. The event is expected to be attended by celebrity guests, local business leaders, and sports luminaries.Charlotte Fashion Week 2011 will showcase the latest trends featuring a mix of exquisite cocktails dresses and gowns, urban

www.womenwithknowhow.com SEPTEMBER 2011

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