Evaluating a Job Offer: The Financial Perspective

When evaluating a job offer, it’s important to keep an open mind, as well as a firm idea of your priorities.


johnPresented by Jonathan S. Merckens, CFP ®

Receiving an offer for a new career opportunity can be an exciting event in your life. But even if a prospective employer promises an attractive salary, other benefits can make a big difference in whether or not you come out ahead financially. To decide if a job switch makes good financial sense, you need to evaluate the full compensation package.

Here are some key areas to consider before you sign on with a new company, as well as important steps to take if you do opt to change jobs.

Health and Wellness
• Medical/dental insurance: How do the new coverage options compare with your existing plans, and how much would the employer contribute? With your current plans, are you paying for more than you really need? Now is a good time to review your coverage needs and consider making a change, even if you end up staying with your current employer.

• Other benefits: Does the new company offer subsidized child care or allowances for dependent care? What about tuition reimbursement? And don’t forget about a fitness subsidy, which may seem minor but can really add up over the long run.

• When would you be eligible for these benefits? Depending on your start date, there may be some lag time between coverage under your old employer and coverage under the new employer.

Before you leave: If necessary, discuss the process for continuing your health care coverage under COBRA with your current company’s HR department. Also be sure to cash in on any unused benefits you can’t take with you, such as fitness reimbursements and company discounts for goods and services. Be aware, however, that certain benefits (e.g., tuition reimbursement) may have a repayment requirement.

Paid Time Off
• Will you be gaining or losing time off ? How long will it take you to accrue the amount of time off you have now?

• Are all paid days off lumped together or separated into categories (vacation, sick leave, and so on)?

• What is the company’s culture and policy related to life events such as the birth of a child, illness, and bereavement?

Before you leave: Take stock of your accrued vacation time, and keep a written record of the amount you should be compensated for upon your departure.

Retirement and Investments
• How do your current benefits stack up with the new company’s options in terms of:
o 401(k) match
o Pension
o Stock ownership
o Executive benefits

Before you leave: Consider how much money you might be leaving on the table if you’re not fully vested in your current employer’s retirement plan. Depending on the situation, you may want to negotiate for a later start date or some other type of compensation to make up for lost retirement funds. Also, explore your options related to executive benefits or non-qualified compensation plans, including potential tax implications.

Annual Bonus
• Does the company offer a bonus program?
• Is the bonus fixed or variable? What is it based on?
• What were the average payouts over the past couple of years for someone in your position?
• Would you be entitled to a bonus in your first year? Can you expect a prorated payout based on your start date?

Commuting Costs
• Would the commute add costs or savings compared with your current situation?
• Is working from home a possibility?

Making a Smart Choice
When evaluating a job offer, it’s important to keep an open mind, as well as a firm idea of your priorities. If you decide to accept a new job, you want to be sure that you’re getting more than you’re giving up—both financially and in quality of life.

Jonathan Merckens is a financial advisor located at 11925 Pearl Road, Suite 403, Strongsville, Ohio 44136. He offers securities and advisory services as an Investment Adviser Representative of Commonwealth Financial Network®, Member FINRA/ SIPC, a Registered Investment Adviser.

Contact Jonathan at (440) 638-4757 or

© 2015 Commonwealth Financial Network®

Eat Right, Sleep Tight???

Food Talks Blog | Sponsored by The Women's Journal

Eat Right, Sleep Tight??

SleepMost of us have heard that we need less sleep as we age. So when older people spend hours awake in the middle of night or wake before the sun comes up, they tend to accept it as a normal part of ageing.  I know I approach sleep as the enemy, something to be conquered.

But do you actually need less sleep as you get older?  Most research says we need as much sleep as a twenty year old. What does control our sleep?  Your “body clock”, which is actually the circadian centres in your brain, dictates your propensity to sleepiness and wakefulness across day and night. These centres are generally influenced by light and darkness, but can also be affected by other aspects of your daily routine, such as what you eat.

Our body clock also controls the production of a hormone called melatonin, which promotes sleep. As you grow older we produce less of this hormone, which may make it more difficult for you to sleep.  Certain foods can produce melatonin.

Snack foods that can promote better sleep.

But even though difficulty sleeping may be a part of aging, that does not mean men and women over 50 cannot take steps to improve their sleeping patterns. For example, certain snack foods may help to improve quality of sleep, especially when these foods replace less healthy snacking options. While men and women over 50 should always consult with their physicians before making any changes to their diets, AARP notes that the following are a handful of snack foods that promote better sleep.

  • Almonds: Magnesium is a mineral with muscle-relaxing properties, and almonds contain enough magnesium to help men and women get a better night’s sleep. A small amount of almonds before bed might be enough to make falling and staying asleep easier.
  • Bananas: Much like almonds, bananas provide a substantial amount of magnesium. Bananas also contain the amino acid tryptophan, which many people associate with Thanksgiving turkey. While tryptophan might be most often associated with the sleepiness people feel after eating a holiday meal, it also has been linked to better sleep quality, so a banana shortly before bed might be just what you need to fall and stay asleep.
  • Cheese and crackers: One more traditional snack may just help you get a better night’s sleep. Cheese and crackers contain tryptophan and carbohydrates, which can induce a better night’s sleep and help you fall asleep sooner.
  • Cherries: Cherries contain the sleep hormone melatonin, and the AARP notes that recent studies indicated that participants who drank tart cherry juice on a daily basis fell asleep more quickly and slept longer and better than participants who did not.
  • Hummus: The primary ingredient in hummus is chickpeas, which are loaded with tryptophan, folate and vitamin B6. Folate has proven especially beneficial to older men and women who need help regulating their sleep patterns, while vitamin B6 helps the body regulate its clock.
  • Peanut butter: Peanut butter is another snacking item loaded with tryptophan. Spread some peanut butter on a carbohydrate, whether it’s a slice of toast or some crackers, before going to bed, and you may enjoy a better, longer sleep.
  • Walnuts: Like cherries, walnuts contain melatonin, which can contribute to a longer, more restful night’s sleep. Walnuts also can help regulate stress, which is a leading cause of sleeping difficulty.

Many men and women experience difficulty sleeping as they age. But the right foods may just help combat such problems and help men and women get a more adequate night’s sleep.  I’m willing to try!  Let me know if you have success sleeping better by eating right at night.


2 Great Book Reviews

Have you had a chance to check out the two great book reviews we have in our East edition? If not, here’s your chance!

doreenConstantly Running
By Doreen S. Dunn-Berts

Were you ever bullied as a child or young adult? Do you know a child who is being bullied? Buy this book – read this book – then pass it on to someone who is being bullied. Constantly Running is a true story about a ninth grade girl, Constance, who was being bullied by Medusa and her girl friends in high school.

Constance was too afraid to tell her mother or her sister about the bullying. Her solution was to “run” home from school as fast as she could. That only delayed the bullying. Medusa and her friends would steal her supplies during class. Medusa even took her completed homework and turned it in as her own. The teacher seemed to be oblivious about what was happening and Constance was afraid to tell the teacher for fear that punishment of Medusa would lead to even more bullying.

Constance cried a lot. Her life was miserable, yet she held it inside and told no one. She didn’t want to fight back because her mother always said, “Violence is not the path to corrections.” So she took it day after day, feeling helpless. Then Ross moved into her neighborhood and they became friends. Ross had been a bully until he realized how his actions were negatively affecting others. Ross was a bully because he was unhappy with his own life. When he found out what was happening to Constance, he asked her, “Aren’t you tired of running?”

Ross confronted Medusa and her friends and they backed down. He suggested a school project where everyone determines what they liked and disliked about themselves and tells the class. When Medusa spoke, she revealed that both of her parents were sick and she was responsible for their care. She was angry and jealous and this was why she was a bully. Every bully has a story. Perhaps this book will help not only the person being bullied, but also the bully.

book1Constantly Running can be purchased at www.doreenberts.com, on Amazon (book or Kindle), or by phone 216.916.9410 Ext. 2212.





mellisaThe Naughtea Housewife
By Melissa Gallitto

This “Culinary Guide for the Modern Day Seductress” is so much fun to read! It is a helpful cookbook using foods and spices that claim to have aphrodisiac effects. As someone who has been married 21 years, I’ll gladly try something to “spice up” my relationship with my husband! Although there is no medical evidence to prove that certain foods increase sexual desire or performance, we all love to eat so why not experiment and cook a great meal at the same time.

The Naughtea Housewife is a culinary lifestyle for the contemporary woman who can learn to put a seductive spin on their boring old recipes. Naughtea is an attitude—mischievous with a passion for life. If you love your man (or men), this book will help you find “the way to a man’s heart through his stomach.” Aphrodisiac is derived from Aphrodite, the Greek goddess of love, lust and beauty. Whether they’re mythological or magical, several foods purport to have aphrodisiac effects: Fruits: Apples, Avocados, Bananas, Cherries, Raspberries, Strawberries, Dates, Figs, Mangos, Papayas, Peach, Pineapples, and Tomatoes. Vegetables: Arugula, Artichokes, Asparagus, Carrots, Celery, Chili Peppers, Cucumbers, Spinach, Squash and Sweet Potatoes. Seafood: Lobster, Clams, Mussels, Oysters, Salmon, Scallops, and Shrimp. Then there is a list of Alcohol, Aromatics, Herbs, Nuts, Spices, and Miscellaneous. “These vibrant and diverse ingredients have been adding flavor and temptation since the beginning of time.”

There are wonderful recipes from drinks to desserts with easy to follow instructions. These “Recipes for Love” aren’t just about the food, it’s also about how you serve them, the smell coming from the kitchen, the taste, and your conversations as you enjoy them. Melissa’s final thought, “Where there is love, there is life. Being loves gives you strength, and loving unconditionally gives you courage. Plan a date with the person you love, prepare an amazing dinner, and see where the night takes you…”

book2The Naughtea Housewife can be purchased through Barns & Noble, Amazon, or visit her fun website: www.thenaughteahousewife.com and put in code XP4DJK3V for a $5 discount.

Meet the 2014 The Women of Our Community Award Recipients & ATHENA Award Nominees

The Medina County Women’s Journal is hosting The Women of Our Community Award and ATHENA Award Dinner program on October 1, 2014 at Williams on the Lake in Medina.

Visit www.Womens-Journal.com/athena for more information and to register.

Meet Meet the 2014 The Women of Our Community Award Recipients & ATHENA Award Nominees listed below:

Lynda Bowers has been Lafayette Township Trustee since 1998, has involved herself in many community organizations. Lynda strives to make a difference in the lives of families, women and children throughout Medina County. Her leadership roles have included organizations but not limited to: Leadership Medina County Founding Board Member, HANDS Foundation Board, Medina County Emergency Management Board, Medina County Foreclosure Prevention Task Force, JoAnn Davidson Leadership Institute for Women, Medina County Animal Rescue and Evacuation Team. She also has served on the Medina County Farmland preservation task force and was a trustee and advisory board member of the Medina County Land Conservancy. Lynda also works aggressively to increase the number of competent women in public and community service leadership roles by providing extensive training and support as they pursue their leadership goals through the JoAnn Davidson Leadership Institute for Women. Lynda has received the 2002 YWCA Women of Distinction Award.

Arlene Kay Bowman resided in Wadsworth, Ohio most of her life. Prior to her retirement, Kay was employed as Assistant Manager of Old Phoenix National Bank in Wadsworth. She is a widow, has two daughters and five grandsons, and is enjoying her retirement by increasing her involvement with civic programs at the local level. At present, Kay is actively involved in Wadsworth’s Bicentennial celebrations, including chairing a committee for the Bicentennial Ball. Serving on the “Tea Committee,” Kay has helped to plan five Teas to be held in historic homes in Wadsworth. Kay Bowman has served her community for many years. As the Vice President of the Wadsworth Chamber of Commerce in 1988, she was among the first women in the Chamber’s 33 year history to hold this position. She is an active member of the Bud and Bloom Garden Club, the Wadsworth Salvation Army Women’s Auxiliary, and the Wadsworth Lion’s Club where she holds the position of Lion Tamer. Kay also volunteers her time at First Christian Church and the Y in Wadsworth.

Bethany Dentler has served as the Executive Director of the Medina County Economic Development since 2008. As workforce is a serious issue for Medina County, Bethany has pulled together a team to research ways to increase the availability of skilled workers to fill the need of new businesses in the county. She has recruited representatives to MCEDC’s Workforce Development Education Committee who are proactive in addressing workforce needs. In addition to her professional endeavors, Bethany actively volunteers her time working with the Medina Church of the Nazarene, God’s Bible School & College, Leadership Medina County, Medina Salvation Army, and the Medina County Transportation Improvement District. She is the recipient of the 2010 YWCA Woman of Distinction Award, one of the top 3 finalists for the 2012 “Excellence in Economic Development Innovation” Award, the International Economic Development Council’s 2008 Category Winner in Business Retention and Expansion, and has been honored by the Mayor of Norwalk, Ohio by declairing November 13, 2008 “Bethany Dentler Day.”

Amy Demlow, attorney with Critchfield, Critchfield & Johnston, Ltd., has consistently been involved in the community providing legal and business perspectives to boards, committees, and special projects. Amy is selected for her expertise in guiding non-profits in the formation of new programs, tax-exempt applications, as well as guidance on numerous boards and committees. Amy has been appointed to and accepts the challenge of serving in a variety of leadership roles – both in the community and law firm. Her service in community organizations and initiatives include: Greater Medina Chamber of Commerce, Medina County Economic Development, Leadership Medina County Finance Committee, Main Street Medina, United Way of Medina County and Medina County Estate Planning Council. She was also chosen as the statewide Recipient for the Community Service Award for Lawyers 40 and Under. Amy serves as a mentor for new attorneys who join Critchfield. She is often sought after to speak on various topics and also speaks to Junior Leadership classes about career paths and regularly invites high school and college students considering the field of law to discuss various paths, opportunities and challenges they may face in their education choices.

Carole Kowell, Director of the Medina County District Library since 2008, has skillfully led this large public agency through cuts to State Budgets for Libraries, the consolidation of Library Branches and the creation of Friends of the Medina County District Library, and the rebuilding of the Lodi Library. Carole is a member of Leadership Medina County (LMC) Class of 2002, and she served two, three year terms as Trustee of the LMC Board. She has also served as trustee for the Main Street Medina Board, American Red Cross Board, and Brunswick Area Chamber Board. Carole is a member of Women’s Network of Northeast Ohio. As Library Director, Carole became the founding mother of Leadership U, an employee in house training program intended to nurture and develop library professionals with an eye on benefiting the library and the community. Carole has also supported five staff members going through a leadership experience with LMC, either in the signature program or the new Young Professionals program.

Pieri Levandofsky, owner of PC Computing, established the Lunch ‘n Learn Program offering one hour tech seminars with a local business to help empower consumers with technology issues. To assist women learn more about Windows 8 and iPad Tablets, Pieri organized a Women and Tech Seminar in March of 2014. Pieri was instrumental in bringing the federally funded grant “Every Citizen Online” to Medina County and helped to teach computer courses and create the curriculum to assist consumers about computers and the Internet. Additionally, as a member of the Medina County Chamber of Commerce, Pieri volunteered to hold several tech seminars for members. Pieri is a member of the International Association of Administrative Professionals (IAAP), through which she has helped empower, support and educate women. Pieri is also a member/advisor to the American Association of University Women, the Medina County District Library, Medina SeniorNet, and Working Women Connection. Pieri Levandofsky is the recipient of the 2007 Volunteer of the Year Award, the Pathways to Excellence Award IAAP Medina in 2008-2014, and is currently a Library Ambassador.

Pamela Miller a graduate of Northwestern University, Pam and her husband have resided in Medina since 1976. Pam was on the Medina Board of Education for eight years and was a member of City Council for 13 years where she was a strong proponent of reaching out to surrounding communities and to the county believing that collaborative efforts make
a stronger community. As the owner of Gramercy Gallery since 1989, Pam has been involved with the historic preservation of downtown Medina and served on the Historic Preservation Board for 18 years. As a member of Main Street Medina since its inception in 2007, Pam has helped to promote the City’s uptown shopping and restaurant district. Pam has served on the Medina Hospital Board of Trustees since 1987, where she has dedicated her time and talent to elevate the level of medical care provided to the community. Her most important accomplishment was the role she played in securing a 2009 agreement with the Cleveland Clinic that would enhance medical services to the
community, bring substantial financial investment to Medina Hospital and to preserve the hospital’s local board.

Mary Jo Morse has been a member of the Ohio State Bar Association since 1983 and served on a joint committee of the Ohio Banker’s Association and the Ohio Bar Association in 1986 reviewing the Probate Statutes for the State of Ohio. In 1985, she joined the Trust Department of Old Phoenix/FirstMerit National Bank where she was a Trust Officer until 1995. Mary Jo joined the law firm of Palecek, McIlvaine, Paul & Hoffman Co., LPA as an associate attorney in 1995. She became a partner in 1998. Mary Jo has been a member of the Medina County Bar Association since l983, serving as Vice President in 1999 and President in 2000. She has served for 19 years on the Board of Trustees of Medina General Hospital, Medina Rape Crisis Center (2 years), United Way of Medina County (9 years), Leadership Medina County (7 years) and Hospice of Medina County (12 years). Mary Jo Morse was awarded the Medina Jaycee’s Distinguished Service Award in 1990 and the Medina County YWCA Women of Distinction Award in 1999. She is currently acting as an approved Mentor for two new lawyers under the Ohio Supreme Court Mentoring Program.

Janice Skeen ThD, Owner/Founder of the National Wholisticenter, where she provides alternative health options for clients looking to improve and achieve overall optimal health.   Dr. Skeen supports the at-risk children of Medina, Akron, Copley-Fairlawn and Barberton by providing back packs full of school supplies and by providing weekend snacks for children who rely on school lunches as their nutritional mainstay through the “Fortify our Children” Program. Dr. Skeen is an international speaker. She conducts “Empowering Women, You Can Have It All” workshops, which teaches women how to budget their time, money and work responsibilities.  Her books, workbooks and workshops are supported by major corporations such as Goodyear. She also holds classes to teach food preservation and nutrition. Dr. Skeen’s “Victory Gardens” have provided healthy food to many Medina County families in need. Finally, Dr. Skeen is the Pastor of the World of Truth Ministries.  She is a Provost of World of Truth Bible College and is a spiritual educator and counselor.

Carol Sterrett as an oncology nurse with Summa Health Center, Carol Sterrett exemplifies the Summa Health System’s mission of “providing the highest quality of compassionate care” and “contribute to a healthier community.”  Her breadth of experience and knowledge in healthcare and oncology nursing is widely lauded by her co-workers and viewed as admirable role model. She currently serves as the Medina representative on a Summa-wide policy and procedure board. Carol motivates those around her with a seemingly effortless and endless abundant energy. She has a unique quality of being forthright in such a way that encourages one to recognize one’s inner strength and seek possibilities without fear.  Carol goes beyond the call of her nursing duties to help and support her colleagues and patients.

Tami Smith and her partner opened in February, 2008 their Allstate Insurance Agency in Grafton, Ohio. Recently, the Agency opened a second office in LaGrange.  Smith & Schmidt is recognized as a Premier Agency with Allstate each year, qualifying for higher award recognition.  In developing a solid customer base, Tami and her partner created Working Women Connection, a networking group whose philosophy is to Inspire, Motivate and Celebrate women in business. This group provides an organized format for women to support one another through business referrals.  Between Allstate and Working Women Connection, Tami consistently immerges herself in the community by organizing and participating in community events, giving back to those in need.  Through the Allstate Agency Hands in the Community grants, Tami’s agency has made sizeable donations to the Grafton/Midview Library and to the Midview Endowment Fund.

Heather Taylor, Executive Director of the Greater Medina Chamber of Commerce, is focused on assisting small businesses succeed.  In 2009, she founded the Greater Akron Business for Breakfast (GABB) Group giving small business people in the area a great place to network.  This group thrives today with over 55 active, monthly participants.  To assist Chamber Members with changing ideas and technology, Heather created and conducts continuing professional development classes on specific topics.  Additionally, Heather formed the Weight is Over group in Wadsworth, whose weekly meetings assist members in reaching their weight loss goals.  Heather serves on the Board of Directors for the Women’s Network, volunteers at Stewart’s Caring Place, is on the Board of Directors for the Bloom Society, is in the 2014 class of Leadership Medina County, and runs the Weight is Over in Wadsworth.


Hearing Loss Linked to Diabetes & Other Health Conditions

By Marvin Lewis, Au.D., FAAA, Doctor of Audiology

If you have diabetes, you are probably aware that you should have routine health screenings for your kidneys, eyes, and feet. But did you know that research says you should be monitoring your hearing as well?

In July 2008, the National Institute of Health (NIH) found that individuals with diabetes are twice as likely to have hearing loss as those who don’t have the disease. But many of them don’t even know it. Unlike eye exams, hearing examinations are often overlooked in the routine regimen of care for people with diabetes.

Diabetes can put you at risk of hearing loss because it causes the walls of the cochlea (the hearing organ) thicken and lose nerve cells, which are essential for hearing. In addition, high glucose levels can affect blood vessels and nerves in the inner ear, decreasing the ear’s ability to transmit sound to the brain.

If you are diabetic and noticing you need to ask others to repeat themselves frequently, or are having trouble hearing in restaurants, it’s time to see an audiologist for a complete hearing evaluation. Minimally, a baseline test is recommended to keep your hearing your best. Echo also is encouraging all adults to find out if they’re at risk for developing type 2 diabetes by taking the American Diabetes Association’s Diabetes Risk Test.

Research shows that hearing loss is frequently associated with other physical, mental, and emotional health conditions and that people who address their hearing loss with aids often experience better quality of life. Eight of 10 hearing aid users say they’re satisfied with the changes that have occurred in their lives specifically due to their hearing aids: they often improve their job performance; enhance their communication skills; increase their earning potential; improve their professional and family relationships; starve off depression; gain an enhanced sense of control their lives; and improve their quality of life.

So let’s get the word out and keep our friends and family members with diabetes in the conversation. Make an appointment today to get your hearing checked. It’s easy and important.

DID YOU KNOW? There is a Link Between a Dirty House and Depression

According to www.clearyourstress.com, “neat is better” for your time, your health, and your peace of mind. If you want to beat depression, a clean and neat house is the best remedy and here’s why:

Researchers have found that women surrounded by too many physical objects in their homes had higher levels of cortisol, often called the stress hormone. Women not only have a direct physical reaction to excess stuff around them, but they also tend to take the blame for the state of their homes. And if the other members of the family have no interest in keeping a neat house, stress levels at home can rise.

The depression cycle can be a hard one to break because clutter leads to depression and being depressed makes it impossible to deal with the mess. The best thing to do is take steps now to eliminate clutter and maintain a clean home.

The good news is that PetalSweet Cleaning can help. If you’re overwhelmed, it’s time to break free! Let us take over the Spring Cleaning and lift the burden! Your health and wellbeing is important. Your family’s health and wellbeing are just as important. Don’t leave it to chance. Let us handle this ongoing task of caring for and keeping your home as clean as possible. You and your family will be healthier and happier – we guarantee it!

PetalSweet Cleaning was founded by Jesica Wilfong, in October of 2012. In 17 months we have grown from only having a vision to serving over 50 re-occurring clients and performing approximately 100 cleanings a month. We have six employees and as we continue to grow we are hiring only the best! Thank you or your support – we couldn’t have done it without you and we are so excited for the future!

What are our plans for the next 3 years? Do we have a long-term vision for the company? Yes! Over the next three years, PetalSweet will establish itself as the cleaning provider of choice in Medina and Summit counties, with continued year after year growth. We will maintain a locally and privately owned atmosphere focusing on customization, high quality and community service. PetalSweet is and will remain as a company where people want to work because of the culture that places value on employees, clients and community.

Call 330.635.2294 to schedule your cleaning today!

Books to Read to Help Grow Your Business

Lemonade Stand Selling

By Diane Helbig

As a small business owner, the growth of your business rests squarely on your shoulders. While you may not be comfortable with some (or all) aspects of the sales process, you must master sales. It’s tough to grow a business if you don’t. The good news is sales doesn’t have to be complicated. Diane provides clear and actionable ideas to easily and successfully engage with prospects and clients. You’ll find yourself enjoying sales instead of dreading it!

Finally, we’ve made the small business sales process Lemonade Stand Selling! Each chapter is focused on an aspect of the sales process. This book is a no nonsense, easy to understand resource for everything sales – from defining the value of your product or service to successfully closing deals. You’ll learn the Lemonade Stand Selling approach to:
• Prospecting
• Presenting
• Networking
• Handling Objections
• Closing
• Nurturing your client base

There’s no need to struggle with or avoid sales anymore. Just grab a copy of Lemonade Stand Selling and discover simple, relationship based, and comfortable methods for excelling in sales. You’ll find ideas for prospecting, how to use social media marketing, what to do, and not do, when networking, the importance of nurturing your client base, how to close, and what to do when you get an objection. This book really is soup to nuts! Diane takes you through the entire sales process in an easy to understand manner. Why make selling complicated and confusing? After all, you knew just what to do as a kid. Lemonade Stand Selling gives you the tools you need to accelerate the growth of your small business.

Reading this book is like getting sales advice from a good friend – who also happens to be an expert sales coach! It’s encouraging and easy to understand with plenty of examples to show you the way. If you’re struggling with your sales, this may just be the pick-me-up you need. – Tina Lo Sasso, Managing Editor of SalesDog.com

For more information on Lemonade Stand Selling or to contact Diane Helbig, call 216.534.2030 or visit www.SeizeThisDayCoaching.com. Lemonade Stand Selling is available through www.Amazon.com.



Spiritual Intelligence in Leadership – From Manager to Leader in Your Own Life

By Sarah Alexander

Spiritual Intelligence in Leadership is not another book about leadership. Instead, it provides the reader with the essential element to leadership: the inner foundation to lead ourselves. If you want to be a leader in your personal life, this book guides you through the seven key lessons that make up the thinking, attitudes and deep inner knowledge that underpin effective 21st century leadership.

Leaders are described as those who lead a group or an organization towards a vision with a shared mission and shared values. Leaders set the tone and keep on course with their vision of the bigger picture. Those willing to take a firm stand are the new leaders of today: individuals who are willing to do their very best to stand in support of goodness, fairness, justice, equality, high morals, and ethics, and right and just treatment for all.

In organizations, business ethics are coming to the fore. Corporate social responsibility is becoming necessary. Investing in the community is based on sound business principles. Together with these changes going on within and outside us, many of us feel the calling
to raise our standards and change our values. These transformations come from the awakening or our innate Spiritual Intelligence. It is nudging us to look at our underlying motives and values as well as the motives and values in the world. It is bringing us into greater conscious awareness of ourselves, our lives, and the impact we can have on the lives of those around us. As we wake up to this inner transformation, we see that we have no choice but to respond to this call to act in higher, more responsible ways.

The key to being a leader in your own life is to let go of all the thinking, attitudes, mindsets, and beliefs that are blocking the truth of who you are. Ultimately, the journey from manager to leader in our own lives equates to a shift in values.

Sarah Alexander is a spiritual awareness coach. www.Sarah-Alexander.co.uk. Spiritual Intelligence in Leadership is available in paperback from Amzaon and all good book stores and in digital eBook formats.


While Everyone Else is Trying to Change the Shape of their Body, Clinical Apothecaries Will Help You Clean and Sharpen Your Mind.

By Jeffrey A. Potter, R.Ph.

There is a deep spiritual void at the heart of this high tech civilization because it is the first in all history that does not know who it is or why it is. Many of us cannot answer the three great questions: Where did I come from? Why am I here? and Where am I going?

Are you caught up in the pursuit of absolute efficiency? Could it be that this fast paced world is actually causing more harm to our brain? Perhaps what we need to do is slow down a bit while we transition into this next year and spend some time REFLECTING on the three questions above. While many others are going to focus on the physical image of themselves, we should focus on that which is more important; our MENTAL & SPIRITUAL FITNESS.

Mental fitness and acuity are dependent on our spirituality, lifestyles, social habits, nutrition, hormonal decline, inflammation, stress, psychological health, and the accumulation of harmful substances that through poor metabolism become toxic to our brain and our body.

Age-related memory decline is expedited by those things listed above. That being said, how can we improve our memory, mental acuity and alleviate psychological issues like fear, depression and anxiety? It would be nice if there was a simple answer but that isn’t the case. Every one of us has our own unique set of issues that need to be remedied. And that’s where Clinical Apothecaries is able to help because of our calling to help those in most need. We have studied this area as thoroughly as possible this past year and now we are equipped to help you. Those of you who are long time clients know that we conduct our research long before we offer or encourage any product.

Clinical Apothecaries has developed a new series of seminars and presentations, focusing specifically on the Mental & Spiritual Fitness of those in need. The series will initiate on Saturday, January 11, 2014.

To find out more about our LIFE CHANGING program or if you would like to register for our inaugural seminar please call our office at 330-721-7949 to save your seat. Military families will receive an exclusive discount.

Love Tips for Your Wedding Day…

TIMELINE: When planning your timeline for your big day, be sure to communicate with your photographer. A good photographer will be able to help you plan out how much time is needed, not only for taking the pictures, but also to allow for the travel time to get to any photo locations you may decide on. Always keep in mind, it does take time to photograph those beautiful moments, so be sure to allow enough time. You only get one chance to capture the memories of that special day.

EXPERIENCE: When looking at a photographers website, always always always find the “about me” or “bio” section and find out their background and training. When looking for the person to capture the most important day of your life, you want to be sure they are more than a “weekend warrior.” You want to know they are true professionals.

COPYRIGHT: Make sure you own your photos! At Ken Love Photography, whether it is a wedding, senior portrait shoot, family shoot or beyond, every client at the end of the process receives every image in high resolution and the rights to those images to print them anywhere! Do they water mark their digital files? At Ken Love Photography, we let our work speak for itself. We get our work from people asking who took your photos, not from our name floating in your image. You paid for photos, not for free advertising for photographer.

SECURE PHOTOGRAPHER: Don’t wait to book! Good photographers are snatched up for those summer dates pretty far in advance. Always ask if photographer o„ffers any off season discounts or discounts for Friday and Sunday weddings. At Ken Love Photography, we understand you pick some dates trying to keep a budget, and we are here to help! After all, if you can’t have one of those prized summer Saturday dates, why should you have to pay the same price?

QUANTITY: Find out how many photos on average they take at each wedding. Ken Love Photography shoots between four and five thousand images each wedding! And the client gets each and every one of them. If they put a limit on how many pictures they take or they will give you, move on. It is always better to have more; you don’t want to miss that one unique special moment.

EQUIPMENT: Do they have back up equipment? We have four cameras, ten lenses and  five flashes with us at each wedding we shoot. No matter what happens, you are covered.

TURN AROUND: How long will it take to get your photos back after your wedding? We have heard horror stories of brides waiting months or over a year for their photos and that is just inexcusable. We have your wedding images retouched and perfect to you within a week after your wedding. You have waited and prepared for this day for some time; you deserve to see the results of your e„fforts as soon as you can. Plus your photos make wonderful memorable gifts for friends and family.

Ken Love is what is considered a “True” Professional Photographer. Graduating at the top of his class from the Pittsburgh Art Institute and the R.I. School of Photography, trained in the Professional Photo Lab field, assisting top commercial photographers in the country, and having spent 22 years as an award winning newspaper photographer, Ken Love has the true experience and knowledge to take on any photography job big or small. After leaving the newspaper business to start his own business four years ago, Ken has quickly become one of the top wedding photographers in Ohio, along with serving dozens of commercial photography clients and ad agencies.

Ken Love Photography provides high-end services, including photojournalistic wedding photography, senior photos, and family portraiture, including children and pets. He also does model portfolios. Ken has extensive experience shooting professional, college, and high school sporting events that he also applies to photographing youth sports.



CoolSculpting® is a relatively new technology for reducing problem areas of body fat using a patented cooling technology.

The Primary Benefits of CoolSculpting®

CoolSculpting® is an attractive alternative because:
• No needles, surgery or prolonged recovery time are needed. Because the technique
is noninvasive, Dr. Nicholas Husni’s patients can return to normal daily activities
such as working or exercise as soon as the procedure is finished.

• It doesn’t hurt. During the procedure, which the doctor performs in a medical offi ce,
patients may read, nap or sit comfortably.

• It is quick. Dr. Husni usually takes about an hour or two to do the procedure, after
which patients may go on with the rest of a normal day.

• Results are impressive. In as soon as three weeks after treatment, patients on average
experience about a 23 percent reduction of fat in the treated areas.

The procedure was established by ZELTIQ, an international medical device company.
It is based on a procedure called Cryolipolysis, which was developed by two Harvard
doctors, Dieter Manstein and R. Rox Anderson and fi rst published in November 2008
in Lasers in Surgery and Medicine.

The technique is a non-invasive way to selectively reduce fat without harming surrounding tissue. It is based on the fi nding that fat cells below the skin are naturally harmed by cold more than other nearby tissue. Studies at Harvard showed that by exposing fat tissue to controlled cooling over a specific time period, the fat cells gradually are reduced and die.

This differs from other non-invasive or minimally invasive technologies that use heat, high-intensity focused ultrasound or chemical injections to damage fat cells and cause them to die. While results of these latter techniques can cause unintended tissue damage,
CoolSculpting® leads to the death of only fat cells. This cell death occurs gently and gradually. The cells are removed naturally over the following weeks or months by the patient’s immune system.

Which Patients Are Good Candidates for CoolSculpting®?

The technique is not intended for weight reduction, but only to reduce pockets of fat that have not responded to a healthy diet and exercise. The best candidates for CoolSculpting® are near their ideal body weight.

Dr. Husni will go over the risks and benefits of this and other procedures he offers.
Based on your specific goals and desires, plus a number of factors such as your age, weight and lifestyle, he will help you select the procedure that is right for you. Dr. Husni will help you prepare for the procedure by explaining what you should do before and after.

Schedule a Consultation. To learn more about CoolSculpting® and to fi nd out if
this procedure is right for you please contact Dr. Husni today. He will listen to your
goals and concerns and will help you make the decision that is best for you.

A board certified plastic and cosmetic surgeon, Dr. Nicholas Husni is known for his
exceptional skill and attention to detail. He specializes in cosmetic (also called aesthetic)
surgery of the face and body, as well as injectables and lasers.

A native Clevelander, Dr. Husni is known as one of the area’s top cosmetic surgeons. He
uses the most advanced techniques and stays up-to-date on the latest in cosmetic surgery to ensure the most beautiful and natural looking results.

Dr. Husni graduated Magna Cum Laude from Boston College. He obtained his M.D.
and a Ph.D. in Pathology from Boston University School of Medicine. Dr. Husni completed
his General and Plastic Surgery residencies at the Lahey Clinic Medical Center and pursued additional training at The Cleveland Clinic Foundation where he completed his fellowship in Aesthetic and Breast Surgery. Dr. Husni is an attending surgeon in the Department of Plastic Surgery at  e Cleveland Clinic Healthsystems Hillcrest Hospital
and Marymount Hospital.