Women with Know How March 2014 Issue

MARCH 2014

Top 7 Ways toBe Green from

Head to Toe

Important Changes for

North Carolina LLCs

BB Webb Entrepreneur Writer Speaker and Media

Helping YourBusiness

Find Its Twirl

In Beautiful Charlotte North CarolinaAt the Exclusive Doubletree Hotel SouthPark

6300 Morrison Boulevard bull Charlotte NC 28211

th Caroh CCAAAtAt

IAt t

Int th

Inth

n Bthe

n Bhe

n Bhe E

Mara Campolungo

Sarah Batista

Leona La Perriere

BB Webb

Mara Campolungo

Leona La Perriere

BB Webb

Friday March 28 900 am - 300 pm

Tickets $60 per person Enjoy Lunch (Included)

To Register Click anywhere on this pagewwwwomenwithknowhowcommaking-an-impact-conference-for-women

Featuring~E x e c D i r amp C o - F o u n d e r

T h e S a n d b o xA u t h o r S p e a k e r

S u c c e s s C o a c hE n t r p r e n e u r W r i t e r

V i s i o n a r y

stasiitttBa ggggp gppolunggpolungppolungCampCamppCamCampp gggggpppppp uuuaaa oooCCC nnnlllmmmmmm nnnmmm oCCC uuu a Perriere Perriereerrierea PerriereaaaLaaLaaaaa eeeeeeeeeeeeLLLL PPPP iiiirrrrrrrr rrrLa Perriera e e e W bbbbbbbbbebebeebWeWeWWe bbbbbbbbeeeeWWWWWWWW bbbbbbbbebbSarah Batista

A w a r d ndash W i n n i n gJ o u r n a l i s t

Life LessonsofThe Sandbox WhenYou Believe

BEING INTENTIONAL THE SUCCESSOF YOUR BUSINESS

BuildYourBusiness Find YourTwirl

Taking risks to PURSUE

YOUR PASSION

Lessons amp Insights From my journey

2014 Making An Impact Co n f e r e n c e Fo r Wo m e n

Wo m e n



th Caroh CCAAAtAt

IAt t

Int th

Inth

n Bthe

n Bhe

n Bhe E

Mara Campolungo

Sarah Batista

Leona La Perriere

BB Webb

Mara Campolungo

Leona La Perriere

BB Webb







V i s i o n a r y







YOUR PASSION



Wo m e n

4 Connect And Grow With Women In Our Community

Dear ReadersThis month we celebrate Womenlsquos

History monthHow Did Womenrsquos History Month Come

into Existence According to the federal website devoted to Womenrsquos His-tory Month the US Congress established Womenrsquos History Month albeit first as a ldquoweekrdquo not an entire month Start-ing in 1981 and every year for the next five years Con-gress continued to pass resolutions marking ldquoWomenrsquos History Weekrdquo Eventually it became an entire month Each year it is given a themeThis yearrsquos theme Celebrating Women of Character Courage and Commitment honors the extraordinary and often unrec-ognized determination and tenacity of women Against social convention and often legal restraints women have created a legacy that expands the frontiers of possibility for generations to come They have demonstrated their character courage and commitment as mothers educators institution builders business labor political and community leaders relief work-ers women religious and CEOs Their lives and their work inspire girls and women to achieve their full potential and encourage boys and men to respect the diversity and depth of womenrsquos experienceDonrsquot forget to mark your calendars and celebrate women this month by attending our Making An Im-pact Conference For Women On Friday March 28 Our four speakers will impact your life business and world Register at wwwwomenwithknowhowcomHave a great month

Mimi

DMimi ZelmanPublisher

Dear Readers

wwwwomenwithknowhowcom MARCH 2014 5

12 Top 7 Ways to Be Green From Head to Toe

14 Important Changes for North Carolina LLCs

28 Helping Your Business Find Its Twirl

38

6

18PublisherPresident

Mimi L Zelmanmimiwomenwithknowhowcom

Creative DirectorRebecca Fairchild

wwwfacebookcomAzureDoorCreative

Contributing Writers Terri Bennett

Karen S Boardman EsqElyshia Brook

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

or email her atmimiwomenwithknowhowcom

Copyright copy 2014

Con

tent

s

On the cover

BB Webb

4224


prof

essio

nal s

potli

ght

How did you get started in this business

M y h u s b a n d a n d I m o v e d t o Charlotte North Carolina from London in 2005 We had no roots in the city no family close by who knew where to find good parks and playgrounds where we could take our two (now three) young daughters where to look for good pediatricians summer camps schools you name it Once we settled in I realized how helpful it would have been if someone had a website where I could find all of this

information ahead of time Thatrsquos how KidsInCharlottecom was born I took all of the information I could think of that might be helpful to parents who are new to Mecklenburg County and put it in one place on the Web It went live in October 2005 and I hope it has been a useful tool for parents l ike me and my husband who are moving to the area It was a dry run for Woland Technology and looking back Irsquom pretty happy with the way it turned out Currently KidsInCharlotte gets 25000 visitors a month on average

LenaBy Mimi Zelman

Woland Technology OwnerLumelsky


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

I h a v e a M a s t e r s d e g r e e i n C o m p u t e r S c i e n c e f r o m t h e University of Michigan but I didnrsquot start out creating websites Most of the programming Irsquove done before Woland ndash work ing at large f inan-cial institutions like Goldman Sachs Deutsche Bank and Merrill Lynch ndash involved designing customized soft-ware systems for their sales trading and back-office operations complex database-driven applications written over many months by teams of pro-grammers around the world I t was everything you might expect from working on Wall Street during the tail end of the Dot-Com era long hours lots of pressure and no end of col-orful personalities and general crazi-ness Despite the stress it was a great experience that taught me a great deal about how to manage projects motivate my employees and deliver a product my cl ients appreciated

Incidentally when your clients have included Wall Street securities traders therersquos not much any other client can do to shock or upset you It rsquos a very high bar

The fork in my road came with the birth of our first daughter Rebecca r ight around the col lapse of the Dot-Com bubble on Wall Street and two months to the day before 911 It seemed like a good opportunity to become a full-time mom and I took it A year later we moved to London where our second daughter Polly


was born A few years after that we moved back to the US where our third daughter Mia was born and I began to write KidsInCharlotte on a whim Once that project was done and I realized I could do it flexibly enough to accommodate my chil-drenrsquos schedules I formed Woland Technology and hung out my shingle (or meta-shingle if wersquore talking about Google) The technical side wasnrsquot very hard after my experience at the New York investment banks Plus I quickly realized how much I love work ing with different k inds of businesses meeting new people entrepreneurs from every background who have so much enthusiasm and such amazing ideas It rsquos a lot of fun and very grati-fying to know and to be told yoursquove done a great job

What are some interesting sta-tistics about your business

Wersquove been in business since 1996 We now work with over 70 clients and our business is growing at more than 50 per year based on revenue

W h a t i s u n u s u a l o r u n i q u e about your business in compari-son to your competitors or similar businesses

Woland Technology doesnrsquot try to be all things to all people We focus on web design and internet marketing and we do it really well in my opinion We are agile enough to service many different industries ndash real estate edu-cation fashion retail industrial ndash but we succeed on our strengths which

are first designing responsive func-tional and elegant web sites that meet or surpass our clientsrsquo expectations and second providing the dedicated support that our clients need once their sites go l ive We concentrate on building what for many of our clients will be the public face of their company ndash the mental impression that their potential customers will form in the first 15 seconds after hyper linking in from a Google list of literally thou-sands of search results If wersquove done our job properly and the site stands out ndash holds the customerrsquos attention ndash everything has to work seamlessly to provide them quickly with the infor-mation they are looking for or in an e-commerce site lead to a sale If itrsquos not working as intended we collab-orate with the client to make sure it does For some of our clients whatrsquos important is that wersquore local ndash their concerns or spontaneous ideas are not funneled through a call center in the Philippines It reinforces their trust in our ability to support their business in a committed way

Our other secret weapon is our alli-ance with Paper Blossom Marketing a fantastic Charlotte-based company specializing in social media and mar-keting run by Kelly Yale and Shannon Hawk They are experts at enhanc-ing corporate brands and gett ing companies l ink ed into Facebook and Twitter al l crucial to a strong Web presence Our col laborat ion with Paper Blossom has been a huge


One pro jec t involved creat ing from scratch a web-based payrol l application for a local company with near ly 900 employees Bui ld ing a software application like that is not real ly web design ndash but yoursquod be surpr ised at how much they have in common

So whatrsquos unusual or unique about Woland Itrsquos a young company helping other young companies build their business and seize the remarkable opportunities that the Web offers We build websites for entrepreneurs We know the challenges they face and understand a basic fact what they often need is not so much a service provider but a partner

boon to our clients I t has without question provided both our teams with oppor tunit ies we would not have had working separately

Fina l ly a lot of web des igners start out in graphic arts and migrate to the technical side My experience in the IT world meant Woland was established f irst and foremost on a solid technological foundation To be sure there is no ldquorightrdquo or ldquobestrdquo way to get started in web design But having a strong techie background enabled me to do more complex projects such as e-commerce sites photo galleries and database-inten-sive services like Chai Expectations an online matchmaking site


Web didnrsquot really exist functionally until the mid-90s Thatrsquos only fifteen years ago The most cutting-edge technol-ogies and tools available to do what we do at Woland may be obsolete in five years If we donrsquot keep pace so will we Itrsquos exciting but it requires a strong technical background and a constant willingness to learn from everyone on the Woland team In addition running this company requires enough disci-pline and pragmatism to realize that a client may not want or need the latest untested whiz-bang feature on their website But what they will need almost certainly is a site that looks great on multiple platforms like a home PC and a tablet computer (eg an iPad)

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

The aphorism about the fox and the hedgehog is ldquothe fox knows many little things but the hedgehog knows one big thingrdquo As much as I love the techni-cal aspects of my business the ldquohedge-hogrdquo side of it I accomplish more by being a bit of a fox sharpening my net-working skills finding a common lan-guage with my clients and employees Learning to recognize what Irsquom good at and focusing on that without losing sight of the interpersonal relationships that really drive my business

Woland Technology LLCCharlotte NCPhone 704-942-0675E-mail infoWolandTechcomwwwwolandtechcom

11wwwwomenwithknowhowcom MARCH 2014

What are some of the greatest chal-lenges in your business

I think web design is one industry that has not become commoditized yet Maybe itrsquos gradually approaching com-moditization but itrsquos not there yet Still many companies select a web design firm with the commodity paradigm in mind A startup company on a budget may balk at an estimate because their friend offered to write them a site ldquojust as goodrdquo for a quarter of the price ndash in their spare time An established company with a seven figure turnover may need to rationalize their large mar-keting budget by massively overpay-ing for their website when they could have gotten a better more professional result from a smaller more engaged and nimble shop Granted itrsquos hard to tell if a company is worth its salt without doing research talking to the owner looking at the portfolio understanding what the service contract says ndash itrsquos all time-in-tensive work How much easier to fall back on the common assumptions that all web design companies are basically the same and you get what you pay for Common but wrong

So one of the greatest challenges for me is exploding the commodity myth through marketing making per-sonal connections with potential clients as well as with teammates like Kelly and Shannon at Paper Blossom And of course through hard work and creative approaches to each clientrsquos needs

Another challenge is keeping up a with a rapidly evolving industry The


Top 7 Ways to be

Green from Head to Toe

start researching the products you use You can search by specific brands and product names

3) Be a Resale Shop RegularResale shops are the perfect places

to get a steal of a deal on gently used clothing shoes and accessories There are resale chains that specialize in all kidsrsquo clothing Not only can you buy fashions for less you can also sell what your kids have outgrown Check out consignment shops where you live to get deals and unique finds for the grown ups in the family And donrsquot forget your local Goodwill Many locations now look like department stores and you could put together a complete look for an unbelievable price

4) Rent High Fashion Clothes amp Accessories

You know the problem with trendy clothes and accessories One day theyrsquore inhellipand they next day theyrsquore out Consider renting instead of spending top dollar for items that will be used occasionally WearTodayGoneTomorrowcom is a fashion

loverrsquos paradise And BagBorrowOrStealcom rents everything f r o m h a n d b a g s t o sunglasses

5) Opt for Organic Cotton

Make a fashion state-ment by opting for

organic cotton 25 percent of all insecticides and 10 percent of all pesticides are used on conventionally grown cotton That doesnrsquot

Being fashionably green is about more than just what you wear Itrsquos also about the other things we put on our bodies

such as sunscreen and even shampoo Terri helps you be fashionably forward thinking as she runs down her lsquoTop 7 Ways to be Green from Head to Toerdquo

1) Pick Safer Personal Care ProductsMany personal care products we use

contain toxic chemicals and preserva-tives Preservatives usually contain dan-gerous parabens And some ingredients wonrsquot be found on the ingredient list because theyrsquore hidden under the term ldquofragrancerdquo That term is used to avoid listing things like phthalates which can alter hormones CosmeticDatabaseorg is an easy to use resource to easily find whatrsquos in all the products so you can choose ones with the safest ingredients Another good bet is to avoid products which contain the ingredients quater-nium-15 imidazolidinyl urea diazolidinyl urea formalin and methylene oxide

2 ) B u y B e t t e r Make-Up

T h e r e rsquos n o t h i n g pretty about what could be lurking in your favor-ite blush l ipstick or eyeliner Some brands actually contain mercury lead or chemicals which are known to cause everything from cancer to reproductive problems Again CosmeticDatabaseorg is a good place to

goin

g gr

een

goin

g gr

een By Terri Bennett


even account for all the chemicals used in the manufacturing process Organic cotton clothing may cost you a little bit more than conventionally produced cotton but it is almost always softer and it tends to last longer Itrsquos also becoming easier to find just look for the 100 organic cotton label

6) Shop for Safer SunscreenYour best bet when picking sunscreens

is to buy ones which contain zinc and tita-nium The Environmental Working Group (EWG) recommends avoiding the contro-versial ingredient oxybenzone because it is thought to alter hormonal systems Itrsquos also recommended to avoid spray on or powdery sunscreens because the potentially harmful ingredients can be easily inhaled The EWG has an online sunscreen guide breaking-newsewgorg2011sunscreen that rates

hundreds of sunscreens by safety and tells you whatrsquos the best and whatrsquos the worst They also have a free smart phone app that allows you to look up sunscreens by name while yoursquore shopping

7) Give BackWhen yoursquore no longer wearing that

favorite look or those must have shoes ndash do something good with them instead of letting them sit in your closet for ages Soles4Souls is a charity desperate to give those gently used shoes to people in need around the world Goodwill takes all kinds of clothing to sell in order to raise money for job training programs And another worthy organization is Dress For Success which wants business appropriate clothing for women in need who are going out for job interviews

3


busin

ess l

awImportant Changes forNorthCarolina LLCs

the event in conflict among members Perhaps most importantly an

operating agreement increases the division between the LLC members personally and the LLC as an entity limiting the membersrsquo liability in the event of claims against the LLC In order to take advantage of the limited liability afforded to members of an LLC the members must prove a separation exists between the members and the LLC ndash that the LLC is not merely serving as a ldquoshellrdquo The fewer members in an LLC the more crucial establishing this division becomes

For example i f Jane Smith is operating Jane Smith Photography LLC but has not taken the appropri-ate steps to separate herself personally from the business a claimant may be able to prove that the LLC is really just a ldquoshellrdquo for Jane giving that claimant access to Janersquos personal assets rather than just the LLCrsquos assets Doing so would negate the biggest advantage to operating an LLC the limited liability it affords to its members

As for the significant changes the revised Act distinguishes between economic interest rights (the right to take part in the LLCrsquos profits and losses)

N orth Carolina recently over-hauled its Limited Liability Company (LLC) Act repeal-ing the previous Act at NC

Gen Stat sectsect 57C in its entirety and replacing it with a revised Act at NC Gen Stat sectsect 57D effective January 1 2014 Importantly the revised Act is applicable retroactively meaning it applies to all active LLCs even if formed prior to January 1 2014 This article will address the most significant changes and how these changes affect current and future LLCs

For existing and future LLCs the LLCrsquos operating agreement will control so long as it does not conflict with the items outlined at the end of this article However if the LLC does not have an operating agreement all of the provisions of the revised Act will apply regardless of when the LLC was formed

I f you are a s ingle -member or otherwise small LLC you may be wondering if you need an operating agreement An operating agreement provides many advantages It allows the member(s) to retain control of the functions of the LLC It outlines the LLCrsquos operations and can be helpful in

By Karen Boardman


and management rights (the right to make decisions for and on behalf of the LLC) A member is a person with both economic interest rights and manage-ment rights An economic interest owner holds only economic interest rights (for example a lsquosilentrsquo investor or a beneficiary who inherits an own-ership interest) An interest owner may be a member or an economic interest owner A company official (such as a director or officer) holds only management rights The revised Act also revised the term membership to ownership interest to encompass both members and economic interest owners

Second the previous Act allowed an LLC to form as a member-managed LLC (management of the LLC is vested in its members with all members also serving as managers) or a manag-er-managed LLC (management of the LLC is vested in its managers where members may or may not be manag-ers) Rather than offering this election to LLCs the revised Act combines parts of each of these types all members are also managers and the management of the LLC is vested in its managers In addition company officials may also act as managers if so designated by the members Each manager may act on behalf of the LLC in the ordinary course of the LLCrsquos business Managers may delegate management authority to other persons for general or limited purposes Management decisions are effective with a majority vote

Third the revised Act requires unanimous approval of the members in order for the LLC to take certain actions adopting or amending an oper-ating agreement admitting a member transferring all or substantially all of the LLCrsquos assets prior to a dissolution action dissolving the LLC converting the LLC to another type of business entity and merging the LLC with another business entity

Fourth the revised Act allows for distributions of property other than money so long as such distributions are distributed so that the net value of the property is proportionally divided among the interest owners

Fifth the revised Act specifies how a member loses his or her ownership interest automatically The member (or the memberrsquos estate) becomes an eco-nomic interest owner entitled only to economic interest rights in the event of a memberrsquos death adjudication of incompetency status as a debtor in bankruptcy assignment of property for the benefit of creditors appointment of a trustee of the person or prop-erty or abandonment of the memberrsquos management rights

Finally the revised Act specifies that an LLCrsquos operating agreement controls the LLC However an oper-ating agreement may not (1) void or diminish the functions of the Secretary of State (including filings and pay-ments) (2) apply to persons who are not parties to or otherwise bound by the operating agreement (3) allow


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wrongful distributions which would prevent the LLC from paying its debts in the ordinary course of business (4) limit the liability of managers approv-ing wrongful distributions (5) preclude membersrsquo rights and access to infor-mation (6) prevent members from bringing a derivative action without providing an alternate remedy and (7) inhibit members from requesting judi-cial dissolution without providing an alternate remedy If there is a conflict between an operating agreement and documents filed with the Secretary of State the operating agreement will control as to parties to the operating agreement (interest owners managers and other company officials) and the

documents as filed will control as to everyone else who reasonably relied on the documents as filed

Please take these statutory changes as an opportunity to review your own corporate documents If you are unsure about what you have and what you need you may wish to consult an attorney experienced in business law

Karen S Boardman EsqKincaid amp Associates PLLCOffices in Charlotte Raleigh Wilmington and AshevillePhone 866-435-5971E-mail kboardmankincaidandassociatescomwwwkincaidandassociatescom


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

Business Contract Finance Taxation Intellectual property Estate planning

Mitzi Kincaid - Attorney at Lawmkincaidkincaidandassociatescom

Karen Boardman - Attorney at Lawkboardmankincaidandassociatescom

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


By Elyshia Brooks MBA

Authentic

Personal BrandingArchitecturem

arketin

g

important items It includes other components which incorporate your entire corporate brand and sub -brands because they are al l a representation of your desires stakeholders employees network customer service customers and your partners This structure is not something that you can take lightly but really put your heart mind and soul into developing because it will be a legacy of who you are

Your Authentic Personal Brand Architecture articulates your plat-form which is based on your

Brand Vision Mission and Goals ndash What is your BIG WHY Reason for all of this

Branding Purpose ndash How are you supposed to serve your clients

B r a n d P o s i t i o n i n g a n d Composition ndash How do you want

WWhen you build or are begin-n i n g t o b u i l d y o u r A u t h e n t i c Personal Brand Architecture for your business you are arranging your organizational structure to be strong and steady to grow as you and your business grow It is arranging your entire brand t o g r o w o r g a n i c a l l y t o b u i l d divine relationships and create oppor tunities in a competitive environment

I t i s r e a l l y a b o u t e s t a b l i s h -ing your business on a f irm core purpose and foundation that speaks to your authentic self and values T h e r e m u s t b e a n u n d e r s t a n d -ing that designing your authentic personal brand is not l imited to your stationary advertising mate-r ials your culture and logo but is much more deeper than these


y o u r b r a n d a n d b u s i n e s s t o b e received and per-ceived Is it struc-tured to achieve your desired results

Brand P e r s o n a l i t y ndash What is your per-sonality and how does it intertwine into your brand

Brand Company Culture ndash W h a t i s t h e environment you d e s i r e f o r y o u r company employ-ees and clients

What makes you

fairchildbeccaaolcom

wwwfacebookcomazuredoorcreative


unique from your contenders when you are encountered

Branding Authentically ndash What are your core values that represent YOU

Building your Authentic Personal Brand Architecture is your key to your business success and your rep-utation because it is a representa-tion of YOU As you are cognizant of your personal brand at all times as you should because you took the time to craft and create what you have inside of your spirit You cannot allow what you create to be torn down by anyone or anything

and must protect what you have been called to do Your Brand is the Essence of You and How You Honor Your Brand Shows How Others Will Honor You and Your Brand As Well

Over the next few weeks I will take the time to share with you how to protect your Authentic Personal

Brand Lifestyletrade and how to continue to build a strong personal brand that grows as you grow This year my brand will be including not only how to build an Authentic Personal Branding Lifestyletrade but walking in true Personal Transformation and Trusting your Authentictrade Self to build the life you are designed to live and the business in which you are called to serve through Get Ready because you cannot walk in origi-nality uniqueness and authenticity if you donrsquot know whose you are and why you are here and whom you are called to serve You are designed for success and it is all about your thoughts beliefs and action ldquoYou must believe in yourself therefore you must put action to your busi-ness and your dream ever y dayrdquo This year you cannot afford not to build your brand and market your business on a daily basis because that is how you will stay in front of your ideal target market Moreover continue to be true to yourself and your brand

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


SAVE THE DATES

Early 2014 Calendar of Events

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

infondccarolinasorg

Women in Leadership Symposium

March 4th Charlotte Omni Hotel

Charlotte NC

Monthly Leadership Meetings

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

Charlotte Social MixersFebruary and May 2014

BlackFinn Saloon Charlotte NC

Triangle Social MixersMarch June September

December 2014

Healthcare Diversity SummitApril 23rd

Greenville Convention CenterGreenville NC

Generational Diversity Summit

February 19th Marbles Kids Museum

Raleigh NC

Diversity Boot Camp March 14th

Charlotte NC


Changing the way businesses buy photography

At snapWerx we provide affordable photographic services for small medium and large businesses With our simplified pricing

plans you can spend more time growing your business and less time worrying about obtaining quality photography We never

charge royalties for use of our photos

Architecture - Industrial - Restaurants amp Food Retail Products - Professional Head Shots

Corporate Events

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

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


3fin

ances

investments at least once a week and a quarter of them log in on a monthly basis

Every investor and trader has differ-ent needs and itrsquos important to identify how to interact with the investment company

Want to be able to walk into a branch Not all investment firms operate a branch network or only have a handful of offices while others have local offices across the country

N e e d t o c a l l s o m e o n e a f t e r market hours Many investment firms operate call centers to handle customer questions

Trading on the go Investment firms have evolved to meet the needs of investors and traders by expand-ing their availability to include mobile apps The majority (60 percent) of inves-tors who own a smartphone report using them for banking and investment transactions and related needs such as checking account information accord-ing to the Scottrade study

I nvestor optimism has steadily climbed since 2006 and more investors are managing their own investment portfolios

according to a recent study from investing firm Scottrade Inc

ldquoInvestors and traders are seeing the opportunities in the market and they are able to take actionrdquo said Kim Wells Scottradersquos executive director of product development and chief marketing officer ldquoMore resources and online trading tools are available to help them find openings to build their portfolios and reach financial successrdquo

For the growing number of self-di-rected investors entering the market here are three steps to take to manage a portfolio

Gauge Accessibility NeedsThose who self-direct their invest-

ments tend to check their portfolio and log into their accounts more fre-quently According to a survey commis-sioned by investing firm Scottrade Inc most investors (59 percent) check their

Three Steps to Taking Controlof YourInvestments


Want to interact with the firm on Twitter Facebook or YouTube Find a firm that provides the opportunities to connect via social media platforms

By prioritizing needs and compar-ing the various offerings at investment firms self-directed investors will be better equipped to find the right firm with which to partner

Research Your ResourcesExplore an investment firmrsquos online

resources Whether pre- or post-log in most online research tools such as those at Scottrade are available free of charge More than one-third of inves-tors say they taught themselves how to invest by using online investment edu-cation tools

Learn what research tools each investment firm offers Make sure real-time information is available to track a portfolio with charts and news Learn about customizable features within each account and set up a system to easily see relevant information and take advantage of market momentum

Look for market calendars that present expected activity (such as initial public offerings earnings reports dividends etc) in ways that are easy to understand

Check for on-demand webcasts and live webinars to educate investors and traders on a variety of topics that interest them and meet their trading experience levels

Engage in an online trading com-munity These virtual groups bring investors and traders together allowing them to swap investment strategies and

learn from like-minded people Most communities are also moderated by an investment firm with professionals who can answer investment-related ques-tions and provide customer support

Set ExpectationsMany find investing fun with general

optimism among investors reaching a three-year high according to the Scottrade study Self-directed investorsrsquo confidence has strengthened as the Internet has made information about the markets rules and guidelines more accessible

Yet while online trading saves inves-tors and traders time and money it does not take the homework out of making investment decisions Before making a trade investors need to understand the risks of each investment and the goals of their portfolios

With the right tools at hand and by partnering with a reputable invest-ment firm that meets individual needs self-directed investors can take charge of their investments with confidence To learn more about self-directed invest-ing visit wwwscottradecom and find more information on the Scottrade 2011 American Investor Study

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wwwwomenwithknowhowcom MARCH 2014



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

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BBl aire Blocker is President of

eBB Webb - Entrepreneur Writer Speaker and

Media Personality

In 2012 she was selected as one of 10 Top Female Leaders in North Atlanta and was also honored as Barrow Countyrsquos lsquoBusiness Woman of the Yearrsquo In 2011 her company Carl House was selected as one of the top 30 small businesses in the Southeast and of the top 30 in Atlanta That same year she was invited to join the coveted ranks of Les Dames drsquoEscof-fier Atlanta Chapter a cutting edge association of top women in the culi-nary field She is currently a regular on


by Mimi Zelman

Webb is an entrepreneur writer speaker and media personality In ten years she has

grown her multi-award winning Carl House venue into one of the leading event venues in the Southeast producing over 100 unique weddings and special events a year She has been selected as one of the lsquoPeople to Knowrsquo by Gwinnett Magazine 9 years in a row

BB Webb - Entrepreneur Writer Speaker and

Media Personality


Find Its Twirl


BB is the former host and creator of the successful cable access televi-sion program lsquoLiving Life with Stylersquo and co-contributor to a Jack Canfield Jim Rohn book entitled lsquoRising to the Toprsquo She writes a successful column for Southern Distinctions Magazine called lsquoNotes from the Highwirersquo and is developing two books one a series called lsquoTiny Tips of Wisdom for the Small Business Ownerrsquo and another entitled lsquoOnly the Curious Have Something to Findrsquo She has a

lsquoThe Ken Coleman Radio showrsquo where she highlights extraordinary women throughout the world and locally

In 2010 she was selected as one of five finalists for the coveted WE Excel Award by the NAWBO Atlanta Chapter and appeared as a lsquoHard Knocksrsquo judge in the new CBS program lsquoThe Next Tycoonrsquo In 2008 she was awarded by Catalyst Magazine as one of the top five entre-preneurs to watch in Atlanta and in 2006 was awarded the lsquoResults Countrsquo award by Atlanta Women in Business

29


Fearless and inspired to make a differ-ence BB leads others to pursue excel-lence with passion and to embrace adversity as a necessary catalyst for positive change

How did you get started I began my career in theatre wrote

produced and toured nationally a one woman play called lsquoThrough Rubyrsquos Eyesrsquo Irsquove always loved sharing a message and producing events start-ing as a little girl enacting popular com-mercials with all my cousins for family gatherings Creating and running an event venue marketing and branding our services and products we offer was a natural for me with some stiff busi-ness learning curves and lots of help

along the way for sure

How have your prior c a r e e r e x p e r i e n c e s prepared you for your journey in life

As an artist I learned h o w t o m a r k e t p u l l together all the aspects o f p r o d u c t i o n a n d getting new business (I was REALLY a one woman show) and how to be cre-ative to help make things happen I also was adept at putting together all the details of a full produc-tion as I oversee doing with weddings and other events at Carl House Irsquom also comfortable being in front of people now

television series on the backburner entitled Whatrsquos YOUR Story BB Webb Champions the Entrepreneur

With a background in theatre BB holds a Bachelor of Arts degree in per-formance from Marlboro College and a graduate degree from The Ohio State University She studied and worked intensively with theatre legend Tony Montanaro who most notably influ-enced her work as an artist In 1990 she wrote produced marketed and performed in her own one-woman play Through Rubyrsquos Eyes which she toured nationwide

Popular with business groups entre-preneurs women college students and professionals within her industry BB is a sought after and charismatic speaker


representing our Carl House brand and sharing my stories of success a n d f a i l u re n at i o n a l l y w i t h t h e message of how to persevere despite adversity In fact itrsquos adversity which teaches us HOW to be successful

W h a t w o u l d y o u m o s t l i k e our readers to know about your journey in business In life

I t rsquos something I rsquom st i l l learn-inghellipthat to be successful you must learn to listen to the clues and mes-sages coming your way everyday and always and to surround your-self with people who leverage your weaknesses and to whom you can implicitly trust Also to redefine success the small successes in each day whether they are perseverance tenacity not just the lsquobig winrsquo awards or money You might ask lsquohow did I positively impact others today were my efforts worthwhilersquo At the end of the day I feel living in your passion point and serving others is the best spot to be

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

Tony Montanaro was a unique mentor of mine as a young artist He saw something in me and nur-tured me as a creative being I had never had anyone lsquogetrsquo a part of me so solidly and with such enthusi-asm When creating new material he would often say lsquo let the beast live let the beast liversquo I think of that oftenhellipwhat is it about something new I am creating or a coaching I am

sharing with my team that is alive and eager to burst on to the scenehelliprsquothe beastrsquohellipit might be the way we serve othershelliprsquolet it be knownrsquo or a product we are developing for the market How do you lsquolet the beast liversquo

Whatrsquos on your bucket list and why

To produce a television show or series and live show to go with it that highlights extraordinary women in business primarily because I like to champion (especially) the underdog

Irsquod also like to create a wildly suc-cessful stage show which I tour inter-nationally telling the truth in comic and very real ways about what it rsquos like to be a 50 something woman with passions yet expressed and a whole lot of life to live and give My best friend and I have been writing aspects of this show for years declar-ing again and again how lsquotheyrsquoll never believe this is truersquo To me real life IS stranger than fiction Absolutely Let the truth be told and maybe wersquoll begin to accept ourselves more

And one more I rsquove yet to find the right fitting love partner for me the person who inspires supports enthusiastically loves you just as you are and whom you entirely trust and honor as well Ironic in that I marry off hundreds of couples a year though as yet have not found that special man You never know who might be around the corner right Irsquod be honored to experience that kind of loving bond


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

Goodness how much time do you have They continue and no doubt always will as long as I am alive and growing Irsquom perhaps at a stage in my life where Irsquom not trying to kick the bad times or feelings away so much as I know now thatrsquos where I learn the really great stuff and get to dig deeper Life still feels awful in moments but Irsquom committed to growth and thatrsquos a very real part of the territory

Around 2008 I had not only just come through a divorce but my company was in grave jeopardy My big loan was being called due early (they were getting rid of all loans in the hospitality business and in Georgia) my partner who I was buying 30 acres with me behind my business defaulted on the loan leaving property that had totally lost its value for me to pay for or lose I had a 42K septic issue on my

property that nearly closed us down during our busiest season I was being ridiculously sued over a miscommuni-cation on another project sales were down I had an inflated payroll and the wrong people in charge Stressed A grave understatement At one point I thought I was actually having a heart attack due to the stress

What I learned through it all was that I was not alonehellipbut I had to first ask for help from trusted people I knew but more importantly to a greater spiritual presence My faith was resolved as I learned to let go more and trust in a greater force of goodhellipif things are supposed to go one way or another there is only so much influ-ence I have I began to trust more how I was guided as I feel clearly we are if wersquoll pay attention and listen Things might not go as we had planned but if wersquoll listen there is always a gift

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

Having just said what I did with the question above itrsquod say to relax more breath more ask for help more listen and trust my inner wisdom

What do you wish you knew 20 years ago

How valuable I am just as I am That I am lsquoenoughrsquo

What is something people would be surprised to know about you

I am as human as anyone on the planet with as many ups downs


insecurities and hidden strengths And that I can juggle fire literally and of course figuratively

What inspires you What makes you laugh

People who are curious inter-ested seeking a greater conscious-ness What makes me laughhellipso many things My animals when people are real and unguarded being truly human Smart humorhellipJerry Seinfeld hit the hammer on the nail with his humor

I also crack myself uphellipat how ridiculous and obsessed I can be at timeshellipbut thatrsquos perhaps a different sort of laugh I appreciate humor and seeing humor in all of humanity and the human experience for sure

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

Kindness grace working to be fair and open minded to accept differ-ences in others Tolerance Though Irsquoll admit I donrsquot suffer fools well Seems I have some work to do

About the Carl HouseBuilt in 1903 Carl House was the

centerpiece and home to the owner of a large and thriving ornamental plant nursery Its original Southern garden plan has been restored with the addi-tion of an exquisite gazebo under which many of the best and most beautiful wedding ceremonies in the South have been held

This authentic piece of Georgia history is situated on four manicured acres that are surrounded by over 30 acres of the original pasture land prop-erty giving Carl House a plantation atmosphere with all the amenities and a luxury ballroom with covered porches

The lavish interiors including 10 working fireplaces have been painstak-ingly restored to recreate the look and feel of the original house The dramatic ball-room mezzanine and third floor are new additions but look as though they have

been there forever Our restoration specialist used a com-bination o f f o u n d antique materials natural stone and woodwork design to emulate the period of the original house The deacutecor is a lush representation of the period featuring European wall coverings beautiful period furniture and heavy silk draperies

The feel of Carl House has been described appropriately as lsquocasually elegantrsquo never stuffy and able to be transformed for all manner of events and gatherings

wwwCarlHousecom1176 Atlanta Hwy Auburn GA 30011 Phone (770) 586-0095Hours 900 am ndash 400 pm

Press Release

Business and Professional Womenrsquos (BPW) Foundation Taps Woman Veteran to Expand Digital Marketing Efforts

WASHINGTON ndash The Business and Professional Womenrsquos (BPW) Foundation is proud to announce that Crystal Williams CEO of MetaLogix Inc has joined our team as social media and digital strategy coordinator Williams and her team will work closely with BPW andJoining Forces Mentoring Plusreg (JFMP) to develop and implement forward-thinking digital marketing campaigns She will also assist with content and social media strategy market research and industry analysis Williams CEO of MetaLogix Inc a Woman Owned Veteran Owned Information Technology firm brings with her over 14 years of business government and technology experience where they specialize in web development digital marketing and enterprise software solutions She also currently serves as the BPW-North Carolina Women Joining Forces Chair Williams joined the United States Army shortly after her graduation from High School During her 10 year military careermdashfirst in the US Army and then the US Army Reserves she received the Armed Forces reserve medal and Army service ribbon She also served honorably during the War on Terror- Operation Enduring Freedom where she earned the national defense service medal Williams was recognized by CRN Magazine as one of Top Women of the Technology Channel in 2013 as well as being named by the Charlotte Business Journal Forty under Forty and Top Women in Business She also received recognition from the Mecklenburg Times as one of the Fifty Most Influential Women in 2013 ldquoIrsquom honored to be chosen by BPW for this task I believe in BPW and the Women Joining Forces Mentoring Plus program states Williams As one of the first grassroots


Mecklenburg Times as one of the Fifty Most Influential Women in 2013ldquoIrsquom honored to be chosen by BPW for this task I believe in BPW and the Women Joining Forces Mentoring Plus program states Williams As one of the first grass-roots organizations to focus on working women BPW has a unique opportunity to engage women veterans and their fami-lies at a local level where mentorship will benefit the mostrdquo Deborah Frett CEO of Business Profes-sional Women says ldquoWith the ever chang-ing digital landscape itrsquos critical that we continue to evolve our digital and social media engagement strategy And we believe that Crystal will bring a unique voice to our mission and help spotlight the great work we are doing with Women Joining Forces Mentoring Plus Programrdquo

About BPW Foundation - With a legacy dat-ing back to 1919 Business and Professional Womenrsquos (BPW) Foundation was the first foundation dedicated to conducting re-search and providing information on working women The mission of BPW Foundation is to promote systematic change in the workplace by strengthening the capacity of organiza-tions and businesses to create environments that are inclusive and value the skills and contributions of working women empower-ing them to achieve their full potentialFor more information visit wwwBPWFounda-tionorg BPWF4WomenVets WomenMis-behavin

Business amp Professional Womenrsquos Foundationtel 2022931100 | wwwbpwfoundationorgfoundationbpwfoundationorg

WASHINGTON ndash The Business and Professional Womenrsquos (BPW) Founda-tion is proud to announce that Crystal Williams CEO of MetaLogix Inc has joined our team as social media and digital strategy coordinator Williams and her team will work closely with BPW andJoining Forces Mentoring Plusreg (JFMP) to develop and implement forward-thinking digital marketing campaigns She will also assist with content and social media strategy mar-ket research and industry analysis Williams CEO of MetaLogix Inc a Woman Owned Veteran Owned Infor-mation Technology firm brings with her over 14 years of business government and technology experience where they specialize in web development digi-tal marketing and enterprise software solutions She also currently serves as the BPW-North Carolina Women Joining Forces Chair Williams joined the United States Army shortly after her graduation from High School During her 10 year military careermdashfirst in the US Army and then the US Army Reserves she received the Armed Forces reserve medal and Army service ribbon She also served honor-ably during the War on Terror- Operation Enduring Freedom where she earned the national defense service medal Wil-liams was recognized by CRN Magazine as one of Top Women of the Technology Channel in 2013 as well as being named by the Charlotte Business Journal Forty under Forty and Top Women in Business She also received recognition from the

Business and Professional Womenrsquos Foundation Taps Woman Veteran to

Expand Digital Marketing Efforts

iMpact color cosmetics Shine Salon

1819 E 7th StCharlotte NC 28204

7043343211

iMpactcolorcosmeticscom

February 6 2014Informal Networking 1030 am to 1130 am Program 1130 am to 130 pm

Hilton Charlotte University PlaceFive Critical Tools for Teamwork Success

Speaker Amy Burkett

Join Us at the eWomenNetwork February Meeting too

For more information visit wwweWomenNetworkcomGreaterCharlotteRegionOr contact Lori Dvorak Executive Managing Director at loridvorakewomennetworkcom

Hear eWomenNetwork founder Sandra Yancey share how you can choose to live an inspired totally fulfilled life Living brave doesnrsquot mean you are fearless It means that you move forward and ldquogo for itrdquo in spite of what scares you and the discomfort of the unknown The power to succeed is always within you The life you want is attainable it can be yours if you are ready to LISTEN be BRAVE and EMBRACE your power

Yoursquoll LearnTo access and use your personal power to accomplish your lifersquos ambitionbull The steps to being BRAVE and working through discomfort and uncertaintybull How to redesign your life and create exciting real possibilities that invigorate your spiritbull How to avoid the destructive forces that sabotage your successbull How to energize your life and attract abundance fulfillment and joybull How to engage insightful new ways to ignite the growth of your businessbull

5th Annual eWomenNetwork Womenrsquos Success SummitMarch 6 2014

Informal Networking 1030 am to 1130 amProgram 1130 am to 230 pm

Hilton Charlotte Executive Park Hotel




Speaker Amy Burkett








heal

th

Healthy BREAKFAST- Healthy WEIGHT

My Plate ampMilk in the Morning

Milk is packed with nine essential nutrients including eight grams of high-quality protein Along with build-ing muscle and keeping bones strong protein at breakfast can help you feel full and satisfied so you wonrsquot feel hungry by mid-morning which will help people stick to their weight management plan

Studies show milk drinkers and breakfast eaters have more nutri-tious diets and tend to be leaner than non-milk drinkers and breakfast skip-pers234 And to cut fat and calories opt for fat free or low fat milk ndash they deliver the same nutrient-rich punch for fewer calories and less fat

For more breakfast tips and recipes visit thebreakfastprojectcom Also follow the Milk Mustache Campaign on Facebook at wwwfacebookcomMilkMustache and Twitter twittercomMilkMustacherdquo MilkMustache

If you think skipping break-fast wil l help you maintain a healthy weight you might want to think again In fact

MyPlate recommendations include s t a r t i n g t h e d a y w i t h a g o o d breakfast

Start with breakfastEat a breakfast that helps you meet

your food group needs People who skip breakfast often weigh more Eating a nutrient-dense breakfast may help you lose weight and keep it off

By choosing a balanced breakfast you can get off to the right start and fill in the gaps in food groups likely to be missing in your diet Milk is a perfect breakfast complement yet more than 8 out of 10 Americans still fall short of the recommended milk servings each day1


Spray large nonstick skillet over medi-um-high Add mushrooms bell pepper and zucchini and sauteacute until vegetables soften slightly about 3 minutes Add mar-inara and simmer to heat through Reduce heat to low and keep warm

Bring milk and salt to a boil in medium saucepan over medium-high Slowly whisk in polenta stirring constantly to prevent lumps from forming Cook until thickened about 5 minutes Remove from heat cover and keep warm

Heat oil in large nonstick skillet over medium-high Carefully crack eggs into pan and cook until whites are set and yolks are cooked to desired doneness 4 to 6 minutes

To serve divide polenta among 4 shallow serving bowls top with marinara and an egg Sprinkle with chopped basil if desired

1K rebs-Smith SM Guenther PM Subar AF Kirkpatrick SI Dodd KW Americans do not meet federal dietary recommendations Journal of Nutrition 20101401832-1838

2 Murphy MM Douglass JS Johnson RK Spence LA Drinking flavored or plain milk is positively asso-ciated with nutrient intake and is not associated with adverse effects on weight status in US children and adolescents J Am Diet Assoc 2008108631-639

3 Barba G Troiano E Russo P Venezia A Siani A Inverse association between body mass and frequency of milk consumption in children British Journal of Nutrition 200593(1)15-19

4 Wyatt HR Grunwald GK Mosca CL Klem ML Wing RR Hill JO Long-term weight loss and breakfast in subjects in the National Weight Control Registry Obes Res 20021078-82


Skillet Eggs and Polenta Serve this morning meal with an 8-ounce glass of fat free milk and a slice of whole grain toast to start right with a serving of veggies whole grain protein and milk all before noon

Makes 4 servings

1 c sliced mushrooms1 c red bell pepper cut into strips1 c zucchini halved lengthwise amp sliced into half-moons1 jar (32 ounces) marinara sauce2 12 cups lowfat or fat free milkSalt12 c finely ground polenta or cornmeal2 teaspoons olive oil divided4 eggsChopped fresh basil (optional)


great deal of the emotional process before you even know they have thought about it The person who is not in agreement with the decision to divorce is usually not as emo-tionally prepared to focus on the actual legal process

You should discuss with your attorney whether there is a way to delay making per-manent decisions concerning property or money And you should listen if your attor-ney tells you that you are moving faster than advisable While unnecessary delay is not warranted quick and emotional decisions are often not the best decisions and many people regret things they do simply to get out of the process

Both parties in a divorce usually end up with less than they need to live comfortably You can neither afford to give up what is reasonable because you are afraid nor too much because you feel guilty and just want to get it over with the least amount of hassle Being too emotional can impair your ability to see and understand the larger issues

Too often when someone wants to get back at their partner for the pain they are causing they do it do it economically Unfortunately extracting revenge in the form of fighting over dollars can end up costing you more in legal fees than you get in your settlement It is also important not to let pain and anger keeps you from asking for and trying to get what you are entitled to in a divorce While letting anger drive you to fight until you are broke allowing pain and


D ivorce brings out a lot of emotions Custody cases are the most upsetting for parties But the division of

assets debts and paychecks is as emo-tionally charged In many ways ending the financial part of your marriage is like ending a business relationship It helps if you look at the situation as a financial deal Focus on the money You need to separate your emotional state from your financial state A good finan-cial settlement in a divorce should be judged on the numbers

Anyone who has gone through a divorce understands that the divorce is a process that takes place over time It doesnrsquot just begin with the filing of a com-plaint and end with a divorce decree The divorce process generally takes longer than you would like it to last A psychological process is evolving at the same time as the divorce process Going through a divorce is akin to dealing with a life ending illness or a death A person going through a divorce will often go through the same stages of grief that are often expected when people experience death It feels like a death to many people

These feelings are all understandable and common From a financial perspective it is difficult to effectively engage in nego-tiations until you have dealt with the emo-tions Usually the spouse who decides the marriage is over will have gone through a

By Leigh Sellers

fam

ily la

w DivorcingEmotions from a Divorce


YOU CAN SURVIVE

DIVORCELicensed in NC amp SC

bull Complex Family Law Litigation

bull Certified Financial Mediator

bull Certified Superior Court Mediator

bull Certified Specialist in Family Law

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

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

Two Fairview Center6230 Fairview Road Suite 105

Charlotte North Carolina 28210

avoidance drive decisions can leave you broke for failing to fight Some people often give into unreasonable financial demands because of guilt This is also a mistake In the first place it wonrsquot actually satisfy the person who feels aggrieved In the second place you will ultimately regret it and never get over it

It is important for you to decide what your economic goals need to be You want to fight for things that are consistent with those goals Emotional attachments to property can create property settlements which do not take people where they need to go in the end The most common mistake is fighting for a former marital home in which a party cannot afford to keep up

Further the different values and back-grounds of the parties will often create as much as a problem in a divorce as it did

the marriage The positions a party takes in divorce can often be directly related to cul-tural or historic elements of their personal-ity Understanding your feelings and those of your spouse can help you navigate the decisions that need to be made

Make no mistake What I am suggest-ing is a tall order and any divorce is over-whelming There is nothing wrong with feeling strong emotions over a divorce or separation But the law isnrsquot equipped to incorporate personal pain into the process I often recommend therapy for my clients to give clients a place to work out emotions safety and productively And if it is clear that a client is paralyzed by the process and we canrsquot control the speed of the process then I will also suggest that we involve a divorce coach Divorce coaches understand the legal process and can support the clientrsquos emotional journey in collaboration with the attorney This allows the attorney to focus and deal with the cold hard legal facts Given that divorce coaches charge a lower rate than attorneys it is a savings in the end to the client

So be aware of your emotions and under-stand the part they play in your divorce And ask for the help you need It is a tough time and you need to be physically emo-tionally and legally prepared for the process in order to have a chance at obtaining a result that you feel is successful under the circumstances

Leigh B SellersNC Board Certified Specialist in Family LawNC Certified Family Financial MediatorLicenced in North and South CarolinaKrusch and Sellers PATwo Fairview Road Ste 105 bull Charlotte NC 28210Phone 704-556-0707 bull Fax 704-553-7824


F rom managing emails to connecting with friends a smartphone can do a great number of things But all of

these features can be overwhelm-ing when yoursquore in the market for a new smartphone Since a smart-phone purchase often includes a binding contract that can last for years it is important to ask yourself a few of questions before making the commitment

Whether you are a savvy resource-ful consumer someone looking for an inexpensive way to become a first time smartphone user or a bud-get-focused head of household you need to find the right smartphone that fits your lifestyle Here are a few tips to get you pointed in the right direction towards a satisfactory purchase

What will you use it forBefore you are enticed by a shiny

fam

ily

Ti ps forPicking the

Perfect Smartphone

x


television adver tisement for the hottest new device decide what the primary functions will be If you want the ability to search the Internet or communicate through social media apps a smar tphone with a user friendly keyboard and an extensive data plan may be what yoursquore after Consider if you will need the phone for work play or both

Contract plans and even some non-contract plans force you to pay for data minutes or texts that you may not need or want But some pro-viders such as TracFone allow you to pay only for what you use and any unused talk text and data carry-over as long as you keep your service active For more information visit wwwtracfoneandroidcom

Where will you use itItrsquos important to choose a carrier

that offers reliable coverage for the areas where you will be using your phone the most Providers such as TracFone offer nationwide coverage across Americarsquos largest and most dependable networks

Whatrsquos your budgetIn your research be sure to look

at b o t h t h e co s t fo r t h e p h o n e and the monthly contract It rsquos also important to ask about any extra fees associated with the device including activation or termination fees Af fordable Android smar t-phone plans from TracFone include talk text and data and start as low as $7 per month Smartphones can be expensive devices but with a little research you should be able to find a deal for one that can help

y o u d o m o r e without spending more

With advance -ments that seem-ingly occur every m i n u t e i t c a n b e d i f f i c u l t t o k e e p u p w i t h t h e e v e r - c h a n g -i n g s m a r t p h o n e When looking for one to fit your life-style it rsquos impor t-ant to ask yourself a few simple ques-

t ions D oing so wi l l ensure you choose the best phone to fit your lifestyle



th Caroh CCAAAtAt

IAt t

Int th

Inth

n Bthe

n Bhe

n Bhe E

Mara Campolungo

Sarah Batista

Leona La Perriere

BB Webb

Mara Campolungo

Leona La Perriere

BB Webb







V i s i o n a r y







YOUR PASSION



Wo m e n



th Caroh CCAAAtAt

IAt t

Int th

Inth

n Bthe

n Bhe

n Bhe E

Mara Campolungo

Sarah Batista

Leona La Perriere

BB Webb

Mara Campolungo

Leona La Perriere

BB Webb







V i s i o n a r y







YOUR PASSION



Wo m e n





Mimi


Dear Readers





38

6









Copyright copy 2014

Con

tent

s

On the cover

BB Webb

4224


prof

essio

nal s

potli

ght




LenaBy Mimi Zelman































Top 7 Ways to be

















goin

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een

goin

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3


busin

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By Karen Boardman

























Authentic


arketin

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What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

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Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x













th Caroh CCAAAtAt

IAt t

Int th

Inth

n Bthe

n Bhe

n Bhe E

Mara Campolungo

Sarah Batista

Leona La Perriere

BB Webb

Mara Campolungo

Leona La Perriere

BB Webb







V i s i o n a r y







YOUR PASSION



Wo m e n





Mimi


Dear Readers





38

6









Copyright copy 2014

Con

tent

s

On the cover

BB Webb

4224


prof

essio

nal s

potli

ght




LenaBy Mimi Zelman































Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x















Mimi


Dear Readers





38

6









Copyright copy 2014

Con

tent

s

On the cover

BB Webb

4224


prof

essio

nal s

potli

ght




LenaBy Mimi Zelman































Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x















38

6









Copyright copy 2014

Con

tent

s

On the cover

BB Webb

4224


prof

essio

nal s

potli

ght




LenaBy Mimi Zelman































Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x












prof

essio

nal s

potli

ght




LenaBy Mimi Zelman































Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x








































Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x



































Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x



























Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x






















Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x





















Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x












Top 7 Ways to be

















goin

g gr

een

goin

g gr









3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x


















3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x











3


busin

ess l










By Karen Boardman

























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x



































Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x




























Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x



















Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x













Authentic


arketin

g












What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x















What makes you












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x




















SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x












SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x











SAVE THE DATES



infondccarolinasorg



Charlotte NC






December 2014





Raleigh NC


Charlotte NC







Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x

















Corporate Events

wwwsnapwerxbiz







3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x












3fin

ances






































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x




































Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x


















Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x

















Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x













Media Personality



by Mimi Zelman




Media Personality


Find Its Twirl





29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x















29
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x


























































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x
















































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x





































Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x

























Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x











Press Release












7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x













7043343211




Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x













Speaker Amy Burkett











Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x













Speaker Amy Burkett








heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x











heal

th






















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x





















Makes 4 servings












By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x





















By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x




















By Leigh Sellers

fam

ily la



YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x












YOU CAN SURVIVE






















fam

ily


Perfect Smartphone

x
















fam

ily


Perfect Smartphone

x





















Documents

Women with Know How March 2014 Issue