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4 moxiewomanmag.com

Volume 1, Number 2June/July 2013

Editor

Maggi Hill

Design Director

Andrew Cantor

Contributing Writers

Erin Arvedlund, Scott Cullen, Terry Fitzpatrick Russ Roberts, Judith Sachs, Lara Tyler

Contributing Photographers

Joe Amato, Andrew Wilkinson, Thomas Robert Clarke In our last issue, the photographs of Patrice Coleman Boatwright

(The Heart of a Woman) were taken by Front Room Images.

Advertising Account Executives

Sara Cooper, Chrisy Holsopple, Bonny Kalman Megan Musser, Laurie Smith

Circulation Manager

Katie O’Day

MoxieWoman Magazine (ISSN Pending)Volume 1, Number 2 June/July 2013

MoxieWoman Magazine is published bi-monthly by: M-Dash Publishing, LLC.

2550 Kuser Rd., P.O. Box 8307, Trenton, NJ 08650.Tel: 609.586.2056

© Copyright 2013 by M-Dash Publishing, LLC. All rights reserved.

POSTMASTER: Please send address changes to:M-Dash Publishing

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Moxiewomanmag.comSubscription Rate: $25 for 1 year (6 issues).

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6 moxiewomanmag.com

CONTENTS8 Publishers Letter

Features12 Gender Spenders (Man Smart, Woman Smarter)

18 Investments: Tiptoe Through the Tulips

20 Cover Story: Binney Wietlisbach Empowering Women by Taking the Mystery Out of Money Management

24 CFO Profile Carolyn Rutsky of Parker McCay

26 Ladies Who Launch Loveleigh Invitations, LLC

28 Paying it Forward Christine’s Hope for Kids

Columns14 Money Matters16 It’s the Law42 Moxie Woman in History-

Mary Roebling

Way of Life30 Food For Thought Rembrandt’s Restaurant and Bar

36 Living Well Efficiently Fit- 20-Minute Workout

38 The Venus Perspective Division of Labor

40 Gender Benders Differences Between Men & Women

41 Downtime Elba Deck

32 Spotlight: Wedding Venues

Volume 1, Number 2 June/July 2013

28

26 28

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8 moxiewomanmag.com

Welcome to the lazy, hazy days of summer! As someone who moans all winter about the cold, I have to resist complaining about excessive heat and humidity in the summer, lest I risk losing any and all credibility as a happy and stable person.

This, our sophomore issue of Moxie Woman is all about banking and money management, and we chose Haverford Trust President Binney Wietlisbach as our cover subject. Binney not only oversees an organization that manages nearly $7 billion in assets, but she also assists women in teaching them how to manage their money through various financial seminars that she holds on a regular basis.

According to a recent Prudential study on women and financial behaviors, the percentage of women willing to take a risk for the opportunity of greater financial reward is 49 percent, versus men, where the study found 70 percent were willing to take risk for potential reward. Additionally, women in the study were twice as likely to describe themselves as financial beginners, 15 percent versus 7 percent.

In Scott Cullen’s piece “Gender Spenders: (Man Smart, Woman Smarter),” experts said that those statistics actually make women better at investing, since they are more cautious and methodi-cal in creating their portfolios.

For our Ladies Who Launch feature, we interviewed Danielle Lyons and Cheyenne Panzeter, who recently started their stationery business, Loveleigh Invitations after discovering while students at the University of the Arts that they had much in common, including their middle name, Leigh. Loveleigh Invitations specializes in custom designs for weddings, showers and birthdays.

On the lifestyle side of things, we have a 20-minute workout that can be done almost any-where, as well as a yummy looking pan seared diver scallops recipe from Gail Seygal’s restaurant, Rembrandt’s Restaurant and Bar in Philly.

Our next issue, July/August has an Education theme, with a special spotlight called Fashion Forward, which will showcase trends in attire for business women. You’d be surprised how easy it is to take a daytime traditional business outfit and transform it with minimum fuss into sharp and fun evening wear!

For upcoming business and arts events, surveys and business news, as well as our Moxie Milli blog, head over to the website at moxiewomanmag.com.

We are most grateful for the wonderfully supportive feedback we’ve gotten on our first issue and look forward to making each issue of Moxie Woman better than the last!

Have a great summer.

Managing Partner, M-Dash Publishing, LLC.

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CONTRIBUTORSMichael J. Delehanty, CFP (Investments:Tiptoe Through the

Tulips, p.18) Michael J. Delehanty is a Certified Financial Planner

with 21st Century Advisors in Princeton, NJ. He has 27 years ex-

perience, beginning as a Financial Advisor with Merrill Lynch in

1986. Mike graduated cum laude from Rider University. Named

a 2013 NJ 5 Star Wealth Manager in NJ Monthly magazine.

www.21stcenturyadvisors.com

Helen Hennessy (Living Well, p.36) is an ACE Certified Person-

al Trainer, ACE Clinical Exercise Specialist NHE Master Trainer,

TPI Certified Golf Fitness Instructor and NJ Department of Dis-

abilities Qualified Provider. She has over 20 years’ experience in

the fitness industry.

Rachel Lilienthal Stark, Esq. (It’s the Law, p.16) is a Sharehold-

er and member of the Banking & Financial Services and Business

& Corporate Groups at Stark & Stark. Ms. Stark concentrates her

practice in the representation of start-up and emerging compa-

nies and non-profit organizations on a variety of issues including

corporate formation, financing, franchising, licensing, acquisi-

tions, real estate and intellectual property law.

Tara Weiner (Money Matters, p. 14) Tara Weiner is a senior

leader in the Greater Philadelphia region with Deloitte & Tou-

che LLP, serving as lead advisory partner for several strategic

national and regional clients. She was the first woman named

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12 moxiewomanmag.com

When it comes to the way they han-dle their investments and financ-es, men are smarter than the av-

erage woman. If you believe that, I’ve got a bridge in Brooklyn for you. Studies and anecdotal observa-tions from financial plan-ners present a much dif-ferent reality.

“There are obvi-ous differences between the way women and men invest,” contends Stephen Molinelli of Insight Finan-cial Services in Pennington, NJ. “Studies have shown that women tend to be better inves-tors than men.”

Women may be better inves-tors, but not as many are comfortable making financial decisions, at least accord-ing to a 2012-2013 Prudential study on the “Financial Experience & Behaviors Among Women.” That study finds that only 23 percent of the women surveyed who were the primary earners in their household felt well prepared to make financial decisions, compared to 45 percent of men. They’re also twice as likely as men in describing themselves as financial beginners, 15 percent versus 7 percent.

Behavioral Decision MakingWhen it comes to investing, it’s not because women are smarter that

gives them an edge, it’s something that runs deeper—behavior. What that leads to, according to Molinelli, is behavioral investing, which is predicated by the impact certain behaviors have on decision making when it comes to money. At the risk of over generalizing, Molinelli be-lieves women seem to be better investors than men mainly because they have more self control.

“That they’re less confident in investing actually works in their fa-vor,” he says. “Because of that they are more cautious and methodical in their investing.”

When one takes behavioral impact into account, some studies suggest that women perform better. “Better can be better, but it can also be less bad when markets are working against them because the markets are somewhat unpredictable,” states Molinelli. “Because women are often

more methodical and less impulsive than men when it comes to invest-ing, they don’t take as much risk

and stick with more of a buy and

hold strategy, gener-ally speaking, then

men do. Women tend to stay the course once they’ve settled on a strategy.”Other factors that may

have an effect on the way the genders man-age their money is life

span—on average, women live longer than men—and

historically, women tend to spend less time in the work-

force than the average man, tak-ing time off to raise children.

“If you’re out of the workforce for a period of time you have less time to put money into retirement accounts,” states Molinelli.

Plus women’s pay is still not quite on a par with men’s, which means less money to play with. That said, Molinelli doesn’t think that difference af-fects the way women handle their investments. “What everybody is look-ing for in their investments is some kind of return.”

Patti Brennan, president of Key Financial, Inc. in Paoli, PA has been in the business for 28 years. Over this time she’s seen women evolve into primary decision markers within their households with much of those changes occurring during the past 10-15 years. “Whether dealing with a couple or a single person, women are speaking up more than they did in the past,” states Brennan. “They are becoming more educated [about financial matters] as information becomes more available. And they value a relationship with an advisor who is willing to explain things and provide them with a level of comfort.”

The Prudential Survey affirms Brennan’s comments. With a median household income of $51,000 for female respondents and $57,000 for men, one third (35 percent) of women report using a financial advisor, compared to 33 percent of men. Plus, fully 44 percent of women say they rely on some input from a professional advisor even if they ulti-mately make their own decision. Meanwhile, 54 percent of men say they prefer to make financial decisions on their own.

Gender Spenders: (Man Smart, Woman Smarter)

By Scott Cullen

GenderSpender.indd 12 6/6/13 5:40 PM

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More Conservative and Collaborative

On the whole, however, Brennan finds women more conservative than men in their financial dealings. She feels they understand the basics of investing and managing their financ-es, but they also want to make sure that they have an emergency fund

and that there’s adequate protection whether it’s insurance or long-term care for their family.

Again, the Prudential survey underscores her comments with the survey revealing that women are more collaborative in their decision making, more focused on household expenses, and concerned about not becoming a financial burden to their family as well as passing on money to their survivors.

Brennan has found too that more women today understand the differ-ent levels of how to pursue comprehensive wealth management. “It’s not just about finding the latest hottest stock,” she says. “They tend to take a more holistic approach such as asking simple questions. They’re becom-ing more comfortable with portfolio management and taking risks than they ever were. There seems to be a level of comfort in terms of what different types of investments are and how they work.”

That’s not to say they don’t want guidance. “They tend to be very coachable,” states Brennan. “They’re more responsive and understand the value of good advice. There are exceptions, but as long as they un-derstand what’s recommended they’re comfortable with the advice.”

Brennan agrees with Molinelli that women tend to be less impulsive than men when it comes to investing. “But they are more loyal,” she adds. “Once you establish a relationship and there’s this degree of com-fort, making a decision to work with someone or on a certain strategy they stick with it.”

Glass Half Empty or Half Full?She’s also found that women are more reactive to the world around

them. “They tend to worry more than men do and if markets are plung-ing or something is happening on a worldwide basis. Women tend to ex-press their concerns more readily than men,” says Brennan. “Generally, women are more pessimistic about their economic futures.”

That contrasts somewhat with the survey which found that even though women are concerned about the economy, they tend to be more

optimistic about the economy’s future than men. She explains that compared to men, women are often more conscious

of what’s going on and if there are any changes they should be consider-ing because the market’s gone down 20 percent, for instance. “A lot of times they’ll know the answer, but still feel the need to ask the question,” says Brennan.

Women make up nearly 70 percent of the financial clients for the Center for Financial Strategies in New Hope, PA. Asked why, owner Grover Stults, a CPA and financial strategist, has no easy answer; the business kind of organically grew that way. On the other hand, his tax clients are more evenly mixed. The women who make up Stults’ financial clients tend to be the exception rather than the rule when one takes into consideration the Prudential study, which finds that most women (65 percent) are not working with financial advisors.

He does see differences between the genders in his every day financial dealings. “The few men I’m dealing with they are off the chart aggres-sive,” says Stults. “In most cases women approach their finances conser-vatively and tend to be better money managers. I don’t see them taking as many risks.”

He finds that conservative approach a good thing. “As a culture we have to save more and have a bigger bankroll so if hiccups like 2008 happen again we’re better prepared,” notes Stults, who adds “everyone has become more conservative after 2008 and that narrows the gap be-tween the sexes based on the people I’m dealing with. Men tend to be a little freer with the money and women more close to the vest with it, which I think is a prudent course of action.”

As far as he can tell, Stults hasn’t noticed his female clients speak-ing up and asking more questions. “They’re looking for somebody they can trust and then they move forward. Sometimes they ask about [their] portfolio activity and that’s always good because now they’re in control. It’s their portfolio, it’s their feelings that go into this, and we’re trying to do the best we can to work with their nest egg.”

He agrees with Brennan that women are concerned about making sure their families are provided for. “I would agree the maternal instinct is kicking in there and women are more concerned about the long term and the repercussions to their entire family.”

Generalities aside, some studies and the financial folks in the trenches with their anecdotal evidence reveal that there are definite differences among the sexes when it comes to investment strategies and money management. And as Harry Belafonte sings, “…the women of today…smarter than the man in every way.”

MAJOR FINDINGS OF THE PRUDENTIAL STUDY

Median income $51,000 $57,000Median savings $12,400 $40,500Top 3 Financial Not be a financial burden to loved ones Maintain lifestyle in retirementPriorities Maintain lifestyle in retirement Make sure not to outlive savings Make sure not to outlive savings Not become a financial burden to loved onesKnowledge of Financial Products 5% Very knowledgeable 14% Very knowledgeable 49% Somewhat knowledgeable 57% Somewhat knowledgeable

32% Not very knowledgeable 22% Not very knowledgeable 13% Not at all knowledgeable 8% Not at all knowledgeable

Confidence in Financial Decision Making 22% Very well prepared 37% Very well prepared 63% Need help 57% Need help 15% Self-described beginners 7% Self-described beginnersRisk Tolerance 49% Willing to take a risk 70% Willing to take a risk

for the opportunity of a greater financial reward for the opportunity of a greater financial reward 22% Enjoy investing 40% Enjoy investing

WOMEN MEN

“They tend to be very coachable,” states Brennan.

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MONEY MATTERS

ptimism and Uncertainty in the Middle Market By Tara Weiner

It is estimated that there are over 8.6 mil-lion women-owned businesses in the United States, generating over $1.3 trillion in rev-enues and employing nearly 7.8 million peo-

ple.1 While the size and scale of these businesses may vary, it is clear that women are a driving force in the U.S. economy.

This article is intended for women business owners who categorize themselves as middle market players. The middle market is an im-portant and often underappreciated segment of the U.S. economy that produces the equiva-lent of 40 percent of GDP and historically has accounted for a larger proportion of employ-ment growth than other sectors.2 As such, it is helpful to understand the expectations, chal-lenges, and priorities of the executives who run these companies.

For the past three years, Deloitte has been conducting surveys to examine the economic outlook and business plans of executives from mid-sized U.S. companies. The road back from the recession has been longer, and perhaps a little bumpier, than originally anticipated. As a result, mid-market executives are keeping the following issues top-of-mind.

Increasing optimism tempered by realismWhile expressing a new realism over the

growth prospects of the U.S. economy in 2013, mid-market executives say their own business-es are poised for growth.

The housing crisis and other economic wor-ries such as the European debt crisis are reced-ing as perceived obstacles to growth. For ex-ample, only 24 percent of survey respondents cited housing as a top obstacle to growth this year, compared to 59 percent who listed hous-ing as a key obstacle in 2012.

Key balance sheet metrics show improve-ment in the financial health of mid-market companies. For example, more companies are reporting higher cash balances this year, with 34 percent reporting higher balances in 2013, compared to only 15 percent reporting that cash balances have gone down.

Access to capital is not standing in the way

of most mid-market exec-utives’ investment plans, whether that capital is to be used to drive sales in existing markets — a key priority — or to make strategic acquisitions.

Continued uncertaintyExecutives continue to

express a high degree of un-certainty about the economic outlook, with 59 percent of respon-dents ranking an uncertain outlook as the biggest obstacle to growth, compared to 50 percent in 2012. When asked to be more specific, respondents named government bud-get challenges, tax rates, and costs related to health care reform as the major obstacles to U.S. economic growth.

Clearly, uncertainty among business execu-tives in the middle market emanates primarily from Washington and the policy issues they be-lieve will affect their ability to plan strategically or make investment decisions in the future. This uncertainty is having an impact on the mid-market, especially in the area of investment, where more than 40 percent of companies are deferring major investments as a result of the current uncertain business environment.

Focus on fundamentalsExecutives are placing a renewed emphasis

on the fundamentals of their business.

Forty-three percent of respon-dents ranked sales as the area where they will be devoting the most time in 2013, far higher than any other priorities, demonstrating a strong focus on core business growth.

More companies focused their growth in the United States this past year, a change from pre-vious years. This is reflected in an emphasis on organic growth in existing markets and, for those expecting to engage in M&A activity, a more domestic focus on merger partners or ac-quisition targets.

Training is a higher priority than hiring new employees. In fact, only two percent of respon-dents rank hiring as a top priority for 2013.

Given the current environment, mid-market companies appear to have tempered their op-timism with a realism that understands that while conditions may be improving, there is still reason for caution. And while they may be frustrated by the major challenges impact-ing them, they appear ready to accelerate their performance and are poised for growth.

Tara Weiner is a managing partner - Greater Philadelphia region, Deloitte LLP.

The road back from the recession has been longer, and perhaps a little bumpier, than originally anticipated.

1 “2013 State of Women-Owned Businesses Report: A Summary of Important Trends,” America Express OPEN (March 2013). 1997-2013, as of 2013

2 U.S. Bureau of Labor Statistics, Employment Situation (September 2012).

O

MoneyMattersAlt.indd 14 6/7/13 2:39 PM

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What’s Coming Next in...

In our next issue:

EducationSpotlight:

Fashion Forward

Space: 7/12/13 Materials: 7/15/13

August/September is our Education issue, and we are

planning articles on the college student loan crisis, a piece on how schools are dramatically changing

their menus to incorporate healthier food options, and also an article on how parents can

utilize outside resources to help their child to succeed in school.

Additionally, we will have a special spotlight called Fashion Forward, where we will showcase trends in

attire for business women. This will include simple alterations/additions

to your daytime wardrobe for nightime events or just for a night

out on the town!

Follow us online

@moxiewomanmag.com

twitter: #moxiewomanmagfacebook: moxiewomanmag

MoneyMattersAlt.indd 15 6/10/13 3:05 PM

16 moxiewomanmag.com

How to Avoid Legal Pitfalls When Using Freelancers and

Other ConsultantsBy Rachel Lilienthal Stark, Esq.

IT’S THE LAW

Many businesses, especially start-ups, find that it makes sense to engage freelance consultants for particular tasks rather than adding employees to their payroll. There are many financial and strategic reasons for a company to engage

a consultant for certain projects, such as flexibility, expertise, and ef-ficiency. However, it is important that companies identify which types of projects are suitable to be done by consultants rather than employees, and what legal issues should be addressed when using consultants.

I. Ownership of the Work ProductFirst and foremost, from a legal perspective, business owners should

determine whether the work product created in connection with a par-ticular project must be exclusively owned by the company, or whether it would be acceptable for the consultant to utilize the materials used or produced in connection with the project for other companies. In gen-eral, there are three levels of exclusivity that are required in connection with a free-lance project.

(1) The least critical level of exclusivity is generally seen when a prod-uct or service is not customized, so that there is an expectation that the consultant will provide the same product or service to other competing companies. For example, companies often expect that billing or other back-office software produced by consultants will be used by compa-nies in the same industry, and most business owners would not find it detrimental to their company’s business if a competitor used the same software. Accordingly, the company would only require a non-exclusive license to use the work product from the consultant, and the consultant would maintain ownership of the work product.

(2) The second level of exclu-sivity is seen when a company would accept that certain pre-existing materials are owned by the consultant and merely licensed for use as part of a final work-product, but that other aspects of the product are owned by the company and may not be reused by the con-sultant. A customized website is a good exam-ple of this level of exclusivity. Most compa-nies would not be comfortable if their website designer re-used custom-ized materials or the look and feel of a website creat-

ed by a hired freelancer for a competitive company, but would understand that the freelancer will use certain preexisting materials and tools in the website that will be also be used by the freelancer for other websites.

(3) The third level of exclusivity is seen when a company requires that all work product be completely original and never used by the consul-tant for another project. This may occur when a project is critical to the company’s competitive advantage, such as the development of a novel product or service that will distinguish the company from its competi-tors. In that situation, it must be made clear that the company is the owner of the work product, and that the consultant does not have any right to use the work product in connection with other projects.

Absent a written agreement between a consultant and its client, the law provides that the consultant is the owner of any work product produced in connection with a project, and the consultant is providing the client with a non-exclusive license to use the work product. If a particular project falls within the second or third levels of exclusivity described above, it is imperative that a written agreement be put in place prior to the work being completed by the consultant to confirm who owns the work product and whether the consultant will have the right to re-use any of the work-product for other clients. This type of agreement is gen-erally called a “Work for Hire” agreement, but can also be incorporated into a consulting agreement which sets forth other material terms of the consultant’s engagement with the company.

II. ConfidentialityUnlike an employee, who has a duty to keep company secrets confi-

dential, a consultant has no such duty unless there is an agreement in place requiring confidentiality. A written confidentiality agree-ment should therefore be put into place to protect the com-pany’s trade secrets from being disclosed by freelancers who are often given broad access to company information in order to complete their work. Even with a written confidentiality agreement, confidential infor-

mation should only be provided to the consul-tant on a “need to know” basis.

III. Indepen-dent Contrac-tor Status

One reason that compa-nies choose to hire freelanc-

It'sTheLaw.indd 16 6/6/13 5:47 PM

17moxiewomanmag.com

ers is to avoid adding another employee to payroll. It is important that the company understand that, regardless of the title giv-en to a particular worker, state and federal agencies, such as the IRS and Department of Labor, may reclassify a consultant as an employee and require that the company pay significant penalties for the misclassifica-tion. The factors considered for determining whether the consultant is an independent contractor vs. employee are as follows:

(1) Behavioral control — Does the business have a right to direct and control how the con-sultant does the project? Does the company train the consultant to do the project in a par-ticular manner, or does the consultant com-plete the project using his or her own methods and training?,

(2) Financial control — Is the consultant’s busi-ness as an independent financial operation, with investment, expenses and other clients and the risk of earning a profit or suffering a loss from the project, or does the consultant receive a set salary, have all expenses paid by the company, and and no other clients in the relevant market?

(3) Type of relationship — Is there a written consulting agreement place? Does the compa-ny provide the consultant with similar benefits that would normally be provided to employ-ees, such as health insurance and vacation pay, and (i.e. pension plan, insurance, vacation pay, etc.)? Is the relationship for a set term or does it continue indefinitely? Is the consultant work-ing on a key aspect of the company’s business which would generally not be outsourced?

If, after examining these factors, it is deter-mined that one or more factors is applicable that lead to the designation as an employee, the company should reconsider its decision to engage the consultant as an independent con-tractor rather than an employee.

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Beautiful Amsterdam“Valliant, Steadfast, Compassionate.” Home of the powerful Dutch East India Company, the first company ever to issue shares of stock to raise money.

You have heard today’s financial news media speak of “globalization.” The Dutch East India Company was the epitome of a global trading company. It was the most valuable the world had ever known. Chartered in 1602, it was the impetus behind Amsterdam’s Bourse, the world’s first stock exchange, founded in 1611.

The Dutch East India Company’s shares traded based on the profits from teas and spices their trading ships could bring home from foreign shores. Prices soaring upon the fleets’ successful navigation of the high seas. Share prices plunging on rumors of ships and cargo lost at sea. The people of Amsterdam became the first stock market participants.

A quarter of a century after the Bourse opened, one of the greatest investment bubbles in history took root in Amsterdam. The investment became the bubble of the millennia, Tulip Mania.

Tulips were introduced to Europe from Turkey around 1550. The flow-er had unique characteristics, mainly a saturated, petal color that no other flower possessed.

With their trading profits, the rising merchant class was building grand estates and surrounding them with flowers. The tulip became a status symbol. With the rise of the merchant’s trading profits, rose the price of their status symbol.

Though historical economic statistics are difficult to verify, at the peak in February of 1637, single bulbs were being priced around a year’s wag-es of a skilled craftsman.

So what makes a successful people bid up the price of a tulip bulb to a year’s wages? Two components played a major role in the creation of

the bubble. First, the tangible “earnings” of the East India Company cre-ated a wealth effect that enabled the psychology, the second effect, of the nouveau riche to bid up a status symbol, the tulip, to ever higher prices.

Extraordinary Popular Delusions and the Madness of Crowds is a book written by the Englishman Charles Mackay in 1641. Though it was writ-ten about the tulip bubble of 1637, it applies timelessly to human nature.

Three and a half centuries later, technology had advanced from ships navigating the world’s high seas to personal computers navigating the World Wide Web. Democracy had increased entrepreneurship. A small company, Netscape, introduced their first product, a web browser. They named it the Netscape Navigator. The captains of the Dutch East India Company would have been amazed by Netscape’s navigation system.

So too were stock investors. On August 9, 1995, Netscape became a publically traded company. Their IPO (initial public offering) was priced at $28/share. On the initial day of trading, it sold as high as $75 and closed at $58/share. The fleet had circumnavigated the globe and dou-bled your money in a day. The bubble had begun!

The stock exchange that Netscape traded on was not the Bourse in Amsterdam but the NASDAQ in old, New Amsterdam. At the beginning of 1995, the NASDAQ index traded at 745. Five years later, in March of 2000, the greatest stock market bubble of the 20th century reached a peak with the NASDAQ trading over 5,100.

Investments: Tip Toe through

the TulipsBy Michael J. Delehanty, CFP

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Investors who set sail with the NASDAQ in January 1995 had made almost seven times their money by March of 2000. Then even quicker than the tide rose, it fell. By October 2002, the NASDAQ had sunk to below 1120, a loss of nearly 80 percent.

Meanwhile, another bubble was building. Interest rates in the US had fallen dramatically from their all time highs set in 1981 when the aver-age 30 year mortgage rate peaked at over 18 percent. By the beginning of 2003, they had fallen to below 6 percent for the first time since the 1960’s. Houses were therefore more affordable on an interest rate basis than they had been in a generation. The housing boom was in full stride.

The mortgage industry began to shift gears as issuing credit to “subprime” borrowers increased dramatically. They then sold the mortgages (no skin in the game for the mortgage originators). Wall Street bought and repackaged the mortgages through financial engineering as high yield investments. The rating agencies gave their seal of approval with AAA ratings. The invest-ment bankers sold these mortgage based products to their clients world-wide. Everyone, it seemed was making a fortune in the housing market.

Until the music stoppedBy 2008, the investment bankers were scrambling like children in a

game of musical chairs. There was a rush to find a seat but there weren’t enough chairs in the room.

In March of 2008, Bear Stearns was the first to go, ”forced” by the federal government to be taken over by JP Morgan due to a loss of con-fidence by the company’s creditors. The investment bank was leveraged 34:1. What does that mean? In simple terms, they had borrowed $34 for every one they had. When levered 34:1, a 3 percent drop will wipe out all your equity.

Bear Sterns was just the tip of the iceberg. Six months after the govern-ment arranged takeover, Lehman Brothers went down like the Titanic. The 158 year old investment bank filed for Chapter 11 bankruptcy on September 15, 2008. It was the largest filing in US history.

Merrill Lynch was on course to be next. The lifeboat Bank of America took on Merrill. Along with the mortgage giant Countrywide Credit, which it had taken over in January of 2008, Bank of America almost sank in the process. Its stock price fell from over $50 in 2007 to $3. Citibank’s stock price fell even more, from over $55 in 2007 to a single dollar in March of 2009.

The collapse of the great American investment houses brought credit markets and the global economy to its knees. GDP (gross domestic prod-uct) contracted3.8 percent in the fourth quarter of 2008. The collapse accelerated in the first quarter of 2009, falling another 6.1 percent. As the economy fell, unemployment rose. Starting 2008 at 5 percent, un-employment doubled to 10 percent by October 2009. In the combined years of 2008-9, the US labor market lost 8.4 million jobs or 6.1 percent of payrolls.

The Great Recession was upon usThe index Charles Dow created in 1896, the Dow Jones Industrial Av-

erage, had fallen from 14200 in October 2007 to 6500 in March of 2009. The housing bubble burst, the credit markets were in rubble and the Dow Jones Industrial Average had lost 55 percent of its value.

Charles Mackay’s 1641 classic on human nature and investing was back in vogue. The madness of the crowd indeed.

So, where are we now? What do we do?

It is a tale of two citiesThe economy’s contraction technically ended in the second half of 2009,

as GDP slowly turned to growth. It has maintained that slow growth status. Slow growth does not generate meaningful employment increas-es. The unemployment rate, though off its peak, is at about 7.5 percent. Many who lost their jobs are still out of work or under employed.

Ben Bernanke, the chairman of the Federal Reserve Board, has pledged to keep interest rates low until unemployment goes down to 6.5 percent. Low interest rates have helped the stock market recover. The Dow Jones Industrial Average has regained all its losses and recently set new highs. The housing market, though not fully recovered, appears to be returning to normalcy. It is being helped by historically low mortgage rates.

There is a saying. Don’t fight the Fed. As long as interest rates stay low, the stock market should continue to benefit. The dividend yield on the Dow Jones Industrial Average is higher than the interest rate on a 10-year US Treasury bond. That is good for dividend-producing stocks.

Another saying is that it is not a stock market but a market of stocks. Each one is a real company with products or services that generate rev-enues. In the long run, the companies that continue to grow their earn-ings (and dividends) should be good investments.

Diversification is a key to preventing losses. There are many asset class-es to invest in with subsets within them. As an example, equities are an asset class. Four subsets would be large and small US equities & devel-oped and emerging market foreign equities. Other asset classes include hard assets such as precious metals, real estate, oil & gas and other com-modities. Fixed income bonds are another asset class with many subsets.

There is a relationship between price and value in any investment. Pric-es are easily obtained. Value is harder to discern. Focus on investments where you can form a better understanding of their intrinsic value.

Try not to get bogged down in all the daily “financial noise.” Focus on the longer term trends.

The trend is your friendInvesting is something you can do for the rest of your life. So be pa-

tient. Tomorrow is another day. Like a marathon, it is won one step at a time. And be careful not to step on those tulips. Someday they may be worth a lot of money!

Registered principal and securities offered through Berthel Fisher & Co. Financial Services (BFCFS). Member FINRA/SIPC. The interpretation and organization of these ideas are Mr Delehanty’s and do not represent the opinions of BFCFS. There are risks involved with investing including market fluctuation and loss of principal. Carefully consider these risks prior to making investments. Diversification cannot eliminate the risk of investment losses.Past performance is no guarantee of future results.

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What do you get when you cross a people person with someone who also has an affinity for numbers? The answer: Binney Wietlisbach, president of The Haverford Trust Company, a financial services firm based in Radnor, PA.

In reality you get much more than that. You get a woman who is taking her vast finan-cial knowledge and sharing it with the people who she feels need it the most by creating a series of events and seminars sponsored by Haverford to help women become em-powered to better manage their money and take control of their own financial destinies.

It all began with a difficult financial situation her mother, a highly intelligent woman, experienced in the early 1990’s when she was in her late 50s. She had seen her income, which came solely from a trust, drop in half over the previous decade to the point where she was considered below the nation’s poverty level; the writing was on the wall that things were only going to get more difficult financially. When she shared this informa-tion with her daughter, Wietlisbach discovered that her mother had never spoken with the trust officer responsible for managing her money during the entire 17 years he was in charge of her account. And when Wietlisbach asked about financial statements, her mother acknowledged that she didn’t know how to read them and felt so intimidated she just threw them in the trash.

“I was flabbergasted,” says Wietlisbach. That was the inspiration to help women like her mother. “My mother’s situation is not uncommon,” adds Wietlisbach. “The reality is over 80 percent of women are going to be the heads of their households at some point in time, yet 90 percent feel financially insecure and don’t know the right questions to ask, let alone who to go to. I don’t want that to happen to any woman.”

Empowering WomenHaverford Trust President Binney Wietlisbach:

by Taking the Mystery Out of Money ManagementBy Scott Cullen | Photography by Joe Amato

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Empowering

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Financial Seminars for WomenWith these seminars, Haverford has created a safe environment where

women have the opportunity to be educated, inspired, and empowered in a place where they can ask questions and not feel intimidated. A recent event, “The 3 Rs of Managing Your Money” focused on how to read a financial statement, when to rebalance, and what to ask at a review meeting. During the session Wietlisbach stood in the back of the room watching as one woman after another raised their hand and prefaced their question to the instructor by saying they had a ‘dumb question.’

“None of the questions were dumb, by the way,” notes Wietlisbach. “How good does that make me feel to know that we had created an environment where women felt safe and good about asking questions and becoming educated and have an opportunity to be part of that con-versation so we could break that cycle? The unfortunate thing is we have this invisible financial crisis that nobody is really talking about. Again, the reality is women are not part of the conversation and yet will be the head of their households and they need to be doing something about that and being proactive.”

She emphasizes the need to not only talk to women, but also to men because every man has a mother or at least some woman in their life who is important whether it’s a wife, daughter, aunt or girlfriend.

The women who attend these seminars represent all age groups, income levels, and professions from homemaker to professionals. Haverford has also done budgeting sessions for younger people and has an event lined up in the fall for widows focusing on how to financially transition during this period or how to support somebody going through a bereavement period and give them the right tools to be financially responsible. Infor-mation on these seminars can be found on the Haverford Website: www.haverfordquality.com.

Career Twists and TurnsWietlisbach never had any intention of working in financial services,

but career paths often take unforeseen twists and turns and one thing leads to another and before you know it you’re overseeing an organiza-tion that manages nearly $7 billion in assets. That’s the short story of how Wietlisbach ended up at Haverford Trust 21 years ago. The longer story goes something like this.

While in college, Wietlisbach worked for a large commercial bank in Philadelphia in the money room, one of the lowest positions in banking, before working her way up to a summer teller and parlaying that expe-rience into a management training position at Meridian Bank. It was a position described to her as a launching pad for other things. “And they were absolutely right,” states Wietlisbach.

Participating in Meridian’s management training program offered an opportunity to gain plenty of practical experience managing people along with all the complexities that involves. She also found herself on the front lines working directly with customers at various Meridian

Q

“The reality is over 80 percent of women are going to be the heads of their households at some point in time, yet 90 percent feel financially

insecure and don’t know the right questions to ask, let alone who to go to. I don’t want that to happen to any woman.”[ [

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branches. “There’s nothing like knowing how to diffuse somebody who is literally screaming in your face,” recalls Wietlisbach.

Working in the branches she gained even more practical experience from dealing with long teller lines, to approving/declining loans, to maintaining the profitability for a cost center, to managing a loan portfolio during a difficult period of time in the late ‘80s early ‘90s. Banking seemed to be her calling.

“I really enjoyed banking and thought I’d be the president of Merid-ian Bank someday, but it didn’t turn out that way,” says Wietlisbach.

After seven years at Meridian she was recruited by George Connell, founder of Haverford Trust, then known as Rittenhouse Trust Com-pany. “George is a big picture guy and realized he had a wonderful investment philosophy, but he didn’t particularly like managing so in 1992, after seven years at Meridian, he made me an offer I couldn’t refuse,” recalls Wietlisbach.

It may be an exaggeration to describe her career at Haverford as a dream job yet Wietlisbach feels fortunate, especially in today’s fi-nancial environment. “It doesn’t mean every day is perfect because it’s not, but I look forward to coming to work every day even during difficult times.”

She starts her day between 5:30 and 5:45 in the morning. She arrives at the office between 7-7:30 a.m. Mornings are often jam packed with meetings. “I have a breakfast meeting once or twice a week, I’ll read through the Wall Street Journal and Philadelphia Inquirer, and then have a series of external or internal meetings.”

On the day we spoke, she had an 8 a.m. meeting with a prospective client, a 9:15 a.m. meeting to organize a Haverford Trust event, our 10 a.m. interview, an 11 a.m. internal meeting, and a 12:30 lunch meeting. Afternoons are pretty much the same. Plus it’s not unusual for Wietlisbach to be traveling once or twice a week for business.

She has two children and whenever possible tries to leave the of-fice by 5:30 to get home and have dinner with her teenage daughter (her son is away at college), something that’s not always easy to do with a busy teenager. “You grab those moments when you can,” acknowledges Wietlisbach.

It doesn’t take much to get her motivated. “I take great pride in what I do,” notes Wietlisbach. “I’m a competitive person, I want to be good every day, I want our firm to win every day, I want to be perceived highly with high standards and goals, not only for myself individually, but for the firm. That’s very motivating when you want to do that well.”

Asked to identify the best thing about her job, she replies with-out hesitation, “Helping families or institutions achieve their goals, making a difference in their well being, giving them peace of mind, and knowing that we made a difference.”

A perfect example is a client in her early seventies who lost her 96-year-old mother two years ago. She was scheduled to meet with

an estate attorney for the first time and was anxious about that and asked Wietlisbach to accompany her. Wietlisbach thought this was just a cursory meeting and was expecting her client to bring in all of her trusted advisors. Instead, it was a meeting to go through her mother’s estate and her and her husband’s estate planning.

“It was just me and her estate attorney and I was there to hold her hand, so to speak,” recalls Wietlisbach. “It doesn’t get more per-sonal than that and that made me feel really good because I was adding value that wasn’t necessarily just about the numbers. Those kinds of things make you come back the next day.”

Lessons LearnedDuring the course of her career Wietlisbach has learned a lesson

or two she’s willing to share. The most important is keeping things in perspective. “Taking a deep breath, relying on colleagues to stand with you to get through the difficult times, trying to stay calm, re-membering there’s always two sides of a story, and lastly never bend-ing on integrity.”

After 21+ years at Haverford Wietlisbach is still making a dif-ference inside and outside of the organization. She’s particularly proud of Haverford’s client retention ratio, especially over the last five years. “We had a 96 percent client retention ratio, which means people are generally happy despite the tough times.” That retention ratio extends into the hallways and offices of Haverford Trust where employee retention is sky high as well. “People are our greatest as-set,” contends Wietlisbach.

And she means it. “When you work with really good people, it makes a huge difference. I have some wonderful partners here at the firm and people I’ve worked with for over 20 years. We trust each other implicitly. It doesn’t mean that we always agree, and we have some healthy debates and discussions, but we know that we have each other’s backs and are always here for each other. I love that and also love the notion of being able to help people achieve their goals. It makes a big difference when you can see the impact you can have on a family.”

When not managing a $7-billion organization, sitting through meetings, traveling, and empowering women, Wietlisbach relieves her stress by running, playing on the first golf team for Gulph Mills Golf Club, watching her daughter play field hockey and basketball, and playing bridge.“I was born in the wrong generation because I love playing cards,” she says.

During the summer you don’t have to go too far to find her. She’s often on her porch entertaining friends, or somewhere reading a good book or watching a movie.

A good niche is good to find and Wietlisbach has certainly found hers. “Working with numbers is an absolute and I enjoy working with peo-ple. I’m lucky to have found a career that matches what I love to do.”

QWhat book are you reading now: The Last Man, by Vince Flynn. I also enjoy historical novels and girlie books like Jodi Picoult and Kate Morton. I spend a lot of time in airports so I do a fair amount of reading.

Favorite movie: It’s a Wonderful Life. I also enjoy romantic movies like Always and funny movies like Bringing Down the House.

What song(s) do you turn up really loud when it’s on the radio when you’re driving alone in your car: I Will Survive (Gloria Gaynor), Party Rock Anthem (Lmfao), Freebird (Lynyrd Skynyrd).

Best vacation ever (location and year): Lake Tahoe, 1991, where my husband asked me to marry him.

Who inspires you: My nuclear family, my husband, daughter and son, inspire me to be a better person, a better mother, a better wife, each and every day.

If you could switch places for a day with a public or historical figure who would that be: The ‘Iron Lady,’ Margaret Thatcher.

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1You can’t have a discussion about Moxie Women without includ-ing Carolyn J. Rutsky in the conversation.

Yet, if it hadn’t been for a seminal moment early in her career, things might have turned out much differently for her.

As many women do, she was trying to do it all – career, family, school activities for her children…the works. After working a full day at a fi-nancial firm in New York City she’d return to her central New Jersey home, cook dinner, spend time with her two young children, do some work she’d brought from the office, and then prepare whatever treats/snacks were needed by her kids the next day at school. This led to many nights making cupcakes at 1:00 in the morning, and of two hours of sleep by the time all was said and done. With a work week of at least 60 hours and a full home life, she was burning the candle at both ends and getting singed by the fire in the middle. Something had to give.

So, finally, reluctantly, Rutsky found a part-time job that would en-able her to work a less arduous schedule. She loved her job, but the choice was being forced upon her. She went to her female supervisor. “I’m working around the clock,” she said. “I have to move down to a part-time job.”

However, to her delight, the woman nodded her head sympathetically. “I really don’t want you to leave,” she said. “We’ll carve something out for you here.”

Today, when she thinks back on that moment, she still shakes her head in wonderment. “[That] was a huge stepping stone for me,” Rutsky says. Her supervisor’s empathy for her circumstances enabled her to continue her career while maintaining the time for her children and their activities that was so important to her. Another company might have merely wished her well. However, it was the early 1990s, and her progressive employer was helping to lead the way for women to balance home and career.

Although she didn’t know it at the time, her supervisor’s willingness to help her balance career and family years ago was the pathway to all of her subsequent professional success. Today Rutsky is the Chief Financial Officer at Parker McCay, a New Jersey-based law firm with offices in

Parker McCay Chief Financial Officer Carolyn J. RutskyBy Russell Roberts

OneCritical Moment

CFOarticle.indd 24 6/6/13 6:46 PM

One Mount Laurel, Lawrenceville and Atlantic City. The company has 165 staff members and is involved in 28 different practice areas.

Rutsky has been at Parker McCay since the beginning of December, 2012. From then until now has been a time filled with challenges and achievements, as among other things she has implemented new financial controls, gotten new financial-based software up and running, and been named to several important committees including one that is charting the future direction of the firm.

“I enjoy a good challenge, and this job has been all that I hoped it would be, and more,” Rutsky said. “The company was very welcoming.”

She graduated from Rider College (now University) with a degree in finance and set her sights on a job in the financial industry. Quickly she was working on the biggest stage in the world for finance – New York City – and discovering how the industry worked.

“At that point there wasn’t opportunities for internships so basically your first job was your on the job experience,” she said. “It was a fan-tastic opportunity.”

For several years she endured the grueling two-hour commute each way to the city until it just got to be too much. She sought a job closer to her home in central New Jersey and eventually wound up working in Princeton for Goldman Sachs. It was an ideal fit, and she remained with the firm in various capacities for over 20 years. When Goldman wound up closing the office in 2007, she was faced with the prospect of return-ing to New York and the two-hour commute. She eschewed that choice by going to work as executive director for Mercadien, an accounting firm based in Hamilton, during which time she earned a master’s degree in accounting from Rider University in 2011.

“I was the accountant for the accountants,” she laughed. Sometimes social change can move at a glacial pace. However, in the

few short decades since Rutsky has been in the workplace she has no-ticed a greater acceptance of women.

“[Women] are more accepted [in the workplace now],” she said. “But it’s still a balancing act between family and career. There are only so many hours in the day.”

Rutsky has always remembered her supervisor’s kindness and under-standing at Goldman Sachs, and practices the same virtues with those working for her.

“What I’ve always tried to do is do the same thing. If you’re putting your time in and getting your job done, I think it warrants some flex-ibility – for men too.”

She believes that there still are fields where women are not as accepted as men. She realizes she is fortunate in that she has always had very sup-portive bosses.

In her spare time, Rutsky loves to cook and also likes to sew. She has been involved with scouting for a long time. Reflecting her commitment to her children, she was a scout leader from the time her daughter was in kindergarten and finished it just last year when her daughter did.

“It was nice to see a good group of girls grow up together and stay in

scouting for 13 years, because it doesn’t happen that much anymore,” she said. She also served as the treasurer for her son’s Boy Scout troop.

Even though her kids are grown now, she still hasn’t left scouting be-hind. She currently serves on the board of the Girl Scouts of Central and Southern New Jersey.

Although finding spare time when her kids were younger was a daunt-ing task for Rutsky, she somehow found time to work with a group called Partners Investing In Education, which was involved in an effort to build a new high school in her community. This led to the establish-ment of pre-engineering courses within the high school curriculum.

However, even though her children are now grown doesn’t mean that Rutsky is going to use her spare time to sit on a beach somewhere. She has been investigating some new volunteer opportunities, including pos-sibly getting involved with organizations that deal with Crohn’s Disease, since a family member was recently diagnosed with it.

Another volunteer opportunity that has her attention is raising therapy dogs, although how the dogs will get along with her senior citizen dog Cody and the angry cat that lives in her garage is another question.

When Rutsky thinks of women who have inspired her, she has to look no further than her first boss – the woman whose understanding of her situation made possible the rest of Rutsky’s career up to this point.

She is looking forward to working at Parker McCay to help the com-pany enjoy its enormous growth potential. Her career – and her life - has come a long way from the days when she was making Sesame Street-shaped cookies at one o’clock in the morning to send to school after an exhausting day at the office. Yet she would not have had it any other way and is excited by the challenges that lie ahead – and by the obstacles she has surmounted along the way to reach this point.

“You do want it all,” she said. “Everything fell into place for me.”

“[Women] are more accepted

[in the work-place now],” she said. “But it’s still

a balancing act between family

and career. There are only so many hours in the day.”

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interview

CHEYENNE PANZETER AND DANIELLE LYONS

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What motivated you to start your business? We met freshman year at The University of the Arts in Philadelphia. We had all of the same design classes and learned that we had so many other things in common. The first thing was our middle name Leigh (hence LoveLeigh!) Our birthdays were one day a part, we had the same fashion and design aesthetics and just got along so well with each other. We went down separate career paths after college, Danielle as a graphic designer at a design + communications firm and Cheyenne graphic designer at a science museum. We both found ourselves designing wedding and party invitations for friends and family and really enjoyed doing it. We loved designing every detail of our own wedding day and the endless possibilities of stationery. We dreamt about opening our own company together, started out with only friends as clients and eventually LoveLeigh Invitations was born.

Tell us a little bit about what services/products you provide.We specialize in custom design for social events such as wed-dings, showers, and birthdays. We can personalize a wedding day with a one-of-a-kind monogram or something more elab-orate as an entire coordinated ‘wedding suite’ — announce-ment, invitation, program, escort cards, way finding, personal-ized favors...etc.

We offer an experience where a bride and groom get to be very involved with the design process as we develop stationery just for them. We’re always excited to connect with the couple and figure out what their story is and bring it to life on paper!

What sets you apart from your competition? We are unique from our competitors because we design to fit a couple’s personality. We work closely with the bride and groom to capture the spirit of their wedding day in all of their stationery. Whether the invitation contains custom portrait illustrations or a silhouette of their beloved poodle on a hangtag, we make it just for them!

What are the main challenges in starting a business and how have you or are you overcoming them? Both coming from full-time jobs at various design firms, where we were only designers, the number one challenge is taking on multiple roles as designers, account managers, marketing directors and production artists.

What are your short and long term goals with your business? We have an ongoing list of ideas + goals! This coming year we are aiming to launch our new website, re-design our busi-ness stationery and start a retail entity on etsy where we would sell greeting cards, letterpress prints + screenprints! We would love to have a few more employees and possibly our own store front, definitely a long term goal! We are looking forward to take LoveLeigh to the next level!

What are you finding to be the most effective methods of marketing your business? After three years of being in business, word of mouth, social media + the blogging world are our main marketing tools. We haven’t had to advertise much yet, but plan to in the future when we have more designers to take on the extra work. Social media is god’s gift to business. It’s so easy to share our work with our followers, our friend’s followers, their follow-ers...it just keeps going and going!

interviewLadies Who Launch

Loveleigh Invitations, LLCRittenhouse Studio (By appointment only)301 South 18th Street Philadelphia, Pa 19103

267.270.5332 loveleighinvitations.com

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You can instantly hear it in her voice, even over the phone. It’s dif-ficult to describe, but there’s a bit of an edge, a slightly halting tone that sounds as if she doesn’t quite trust the words to come

out right or for her emotions to remain in check.That’s what the mother of a beautiful, graceful and kind 22-year-old

sounds like when talking about the tragic loss of her child. Lynn University student and Hopewell Township native Chris-tine Gianacaci was killed in an earthquake in Port-Au-Prince Haiti on January 12, 2010, along with three other students and two professors from the Boca Raton, Florida-based university. The group was in Haiti with Students for the Poor, an organization that sends students, faculty and administrators around the world to as-sist those living in poverty.

Christine’s childhood, while certainly what many would consider privileged in where she lived and the solid education she received, was not without considerable chal-lenges. She was diagnosed with Tourette’s syndrome, causing severe motor and vocal tics, which peaked in middle school. “She felt alienated by the fact that the other kids couldn’t relate to her,” her mother says. “I think it’s why she had so much compassion for other kids that had their own struggles.”

By late high school the Tourette’s subsided and as her mother says, “She came into her own. She went off to Lynn University in

Florida and became very involved with many groups.” Students for the Poor is affiliated with Food for the Poor and Christine traveled to Jamaica in 2009 for her first trip on behalf of the organization.

“When she called us that first evening, she went on about the horrific conditions in which these kids lived every day, and how they couldn’t

help what they had been born into.”The Students for the Poor team from Lynn University

arrived in Haiti for their mission on Monday, Janu-ary 11, 2010 and Tuesday was their first full day

of work. “We (Jean and her husband and Christine’s father, John), talked to her by cellphone eight minutes before the earthquake struck.”

The hotel in which the team was staying, The Hotel Montana, was leveled by the 7.0 magnitude quake, the strongest that had hit the region in two centuries, according to geologists.23 people trapped under the rubble were

pulled out alive, and Jean and John held out hope that Christine would be found for sev-

eral days, thinking perhaps she’d found an air pocket, some way to remain alive. “After 13, 14

days, we knew they probably weren’t alive,” Jean says softly. Eight students survived the blast, but Chris-

tine and her roommate there, Stephanie Crispinelli, along with two other students and two professors did not. It took 28

days to recover Christine’s body to send home to her family.

Christine’s Hope for Kids

By Lara Tyler

Teaching Kids to Help Other Kids

PAYING IT FORWARD

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The Haitian government initially would not let a rescue team from the United States into the country and wanted to bulldoze the build-ing right after the earthquake struck, Jean said, and it took great effort on behalf of local poli-ticians, Rep. Rush Holt from the 12th District and Rep. Chris Smith from the 4th District in New Jersey to get them into Haiti.

“They were great,” says Jean. “They put a lot of pressure on Washington to get it done.”

To honor their daughter’s spirit and strong desire to help less fortunate children, John and Jean immediately started Christine’s Hope for Kids Foundation (CHKF). The mission of the organization is to support local community agencies that work with and benefit children. They not only want to raise money to support their mission, but also teach and communicate the idea that every person can make a difference each day by helping others and being kind.

CHKF has offices in Ewing, New Jersey and in Florida. Large framed photos of kids help-ing kids line the office walls in Ewing, along with photos of Christine, including one in which she is beaming while spoon feeding a malnourished boy in Jamaica.

“The biggest mantra of the foundation is we teach kids to help other kids,” Jean explains. Because of the massive corruption in the Hai-tian government, the foundation board decid-ed to tackle children living in poverty here in the United States, rather than overseas.

“In a country with such an abundance of everything, I’m overwhelmed by the scope of poverty here in the U.S.”

Over the three years that CHFK has been in existence, the foundation has made donations of over $275,000 to various agencies, such as Boys and Girls Clubs, Catholic Charities, local YMCAs and Big Brothers, Big Sisters; send-ing underprivileged kids to summer camp and

providing sports equipment like soccer spikes or sneakers to those who cannot afford proper footwear and uniforms.

They get student volunteers involved as well, with programs such as one where kids pay a small amount to wear pajamas to school one day and raise money to fill bags that contain pajamas, a storybook, a toothbrush and tooth-paste and a teddy bear. The bags are then dis-tributed to children in need.

The students themselves will also participate in the distribution of contributions raised by the foundation, as Jean feels it’s important for them to see how their efforts go directly to those in need.

For Jean, the satisfaction of being able to actu-ally see how the money is raised and distributed locally firsthand is enormous. “I can get in my car and see how the money helped,” she says.

The foundation does not simply give money away, but rather earmarks grants for specific programs both here and in Florida, and Jean travels back and forth to oversee both offices.

The foundation’s board is comprised of peo-ple who not only had a deep connection to Christine, but also brings something of great use to the table from their individual profes-sions and pursuits, Jean noted.

CHFK has two major fundraisers every year. The largest, a golf tournament, will be held on September 9, 2013 at Springdale Golf Club in Princeton, where John Gianacaci has been a longtime member. The second is also a golf event, called 100 holes, where the pros at the club will play a continuous round and people will donate a certain amount for each hole. Jean says last year, they actually played 150 holes straight. All the proceeds from the 100 Hole event are used to help underprivileged kids learn to play golf.

Additionally, CHFK sells t-shirts and other merchandise at events and parades (also online at christineshopeforkids.org) to raise funds.

“John and I will be talking, and I’ll come up with an idea, and I truly believe that it is Chris-tine who is driving us,” Jean says with a small smile. “I say to John, ‘I think she’s pushing us in the direction she wants to see us go.’”

“Every kid deserves the chance to be a kid,” Jean says simply.

And so Christine’s legacy of helping children lives on in CHFK, a bit of comfort in the face of such a huge loss to the Gianacaci family and friends.

“Christine would be over the moon at what we’re doing here. The saddest thing is that she isn’t here doing it with us.”

Thanks to you, in 3 years we have donated over $275,000 and impacted lives of thousands

of kids in our local communities. Here are some of our accomplishments:

Womanspace in Trenton – 75 pajama bagsHamilton YMCA – $10,000Princeton YMCA – $10,000

Boys and Girls Club of Trenton – $ 7500Trenton Times Kiwanis Camp Fund – $7500300 Pair Under Armour Baseball Spikes to:

North Trenton Little League, North Trenton Babe Ruth, Jersey City Little League, Hightstown Little League

St. Paul’s School – 50 Bach TicketsHoliday party for 200 kids and their families

Monmouth County Boys and Girls Club – $10,000Harbor School in Eatontown, NJ – $3800 for bubble machine, chalk, and walk for

handicapped kidsSchool for Children in Eatontown, NJ – $2800 for

stereo equipment and dance costumes for kidsMiracle League of Mercer County – $5400

Therapeutic Riding Center Special Strides – $800Spread the Magic (magic shows for pediatric cancer

patients) – $2400Boys and Girls Club of Trenton – 400 gently used booksAmerican Red Cross of Princeton – 135 pajama bags for kids in Alabama who were victims of tornados

The Clinic at Princeton Medical Center – 100 stuffed animals

Florence Fuller Child Development Center in Boca Raton, FL – $5000

American Association of Caregiving Youth – $5000Chris Evert Pediatric Hospital in Ft Lauderdale, FL –

$400, toys and booksSt. Mary’s Hospital Pediatric Department in

Newtown – 85 gifts bags2 student grants to Lynn University Students to do

humanitarian work with childrenBig Brothers and Big Sisters of Trenton/Mercer –

50 pieces of gently used sports equipmentNorth Trenton Little League – 100 pieces of gently

used sports equipmentHightstown YMCA – 75 pieces of gently used

sports equipmentCranford, NJ Parks and Recreation Department –

$700 for handicapped playground equipmentAutism Family Times with Brianna – $1000

North Palm Beach, FL Little League – 60 pairs of Under Armour spikes

Cabana Colony Little League, FL – 25 pairs of Under Armour spikes

Evergreen Little League, FL – $1500 to sponsor kids to play ball

Named 7 wonderful “Christine’s Heroes”

CHRISTINE ON HER FIRST MISSION TRIP IN JAMAICA WITH STUDENTS FOR THE POOR.

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Pan-Seared Diver Scallops, Turnip + White Chocolate Puree With Roasted Cherry Tomato, Black Garlic, Basil and Celery LeavesServes 1

2 Medium TurnipsHeavy Cream (can sub milk, if you prefer)2 Pastilles White Chocolate3 Cherry Tomatoes1 Rib Celery (reserve leaves)1 Clove Black Garlic1 Tbsp White Wine3 U-10 Dayboat Dry Scallops (or 5 bay scallops, if you prefer)Basil leavesToasted Pine Nuts

Preheat oven to 500 degrees.Peel turnips, chop roughly, put in medium sauce pot and cover with heavy cream.Boil until tender. Place turnips in a blender, season with salt and pepper, blend.Add a little liquid from cooking and blend to a thick puree.Blend in 2 pastilles of white chocolate. Adjust seasoning as desired.Next, slice the cherry tomatoes in half, small dice the celery and mince the garlic.In a saute pan, add blended oil and sweat the celery and garlic until the celery is almost tender.Add the cherry tomatoes.Place the in oven for 5-6 minutes.When you take them out of the oven, deglaze the pan with white wine.

Season with salt and pepper.While the veggies are in the oven, heat ! ounce of blended oil in a saute pan.When you begin to see ridges in the oil, place the scallops in, flat side down.Do a nice hard sear on the one side while gently basting with oil from the pan.Flip the scallops with tongs or a spoon and gently sear on the other side. Turn of the heat and add a pat of butter (about half a tablespoon) and baste the scallops gently with the butter for about 45 seconds. Remove the scallops and place on a paper or paper towel lined plate and pat off the oil. Put everything together on the plate, serve hot, and garnish with celery leaf, basil, and toasted pine nuts.Recipe courtesy of Rembrandt’s Executive Chef Nicholas J. Cassidy

FOOD FOR THOUGHT | Deliciously Healthy Recipes from Top Regional ChefsWMMy venture into the hospitality business started three years ago when a good friend of mine de-cided to sell Rembrandt’s Restaurant and Bar, which he had owned in Fairmount/Art Museum area of Philadelphia for 25 years. This represented a huge challenge to me since my previous careers involved medical research and 10 years as an Occupational Therapist! I have also been a volunteer docent at the Philadelphia Zoo for 17 years, where I have had terrific experiences interacting with both children and adults and teaching them about animals and our environment. All this eclectic experience actually melds well with the restaurant business and it is difficult for me to resist a new challenge!

Rembrandt’s Restaurant is a neighborhood gastro-pub located near the Philadelphia Art Mu-seum, Eastern State Penitentiary, The Barnes Foundation and Fairmount Park. We have upscale casual dining in our first floor bar areas and our main dining room, outdoor seating in warm weather, and an upstairs venue, including a dining area and a cocktail lounge, for private parties or business meetings with a sensational view of the City skyline. Our chef, Nicholas J. Cassidy, came to us after stints as chef at several Stephen Starr restaurants and has designed a creative and flavorful menu using local ingredients and hormone-free meats. We also have desserts that will appeal to chocoholics like me.

Rembrandt’s Restaurant741 N. 23rd St. Philadelphia PA 215.763.2228Gail Seygal, Owner

Rembrandt’s is open from 11:30am until 2am Monday-Saturday and 10:30am ( brunch) until 2am Sunday. We have daily Happy Hour M-F 5-7. Please check our website, www.rembrandts.com, for special events.

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z

z

zzNew Beginnings: Choosing Your Wedding Venue

z

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by Judith Sachs

Photography byThomas Robert Clarke

You have made THE important decision—hopefully the best one of your life. You’re getting married!

But that’s just the beginning of the decisions you’ll be making as you start to plan your wedding. Before anything else, you need to figure out where you’re getting married. Selecting a wedding venue can be daunting, but we can help you prioritize so you can begin to make your choices.

The Big 3 FactorsA wedding is a huge event in your life, so you want to reduce the size and complexity of the details. The more organized you are, the less stressed you and everyone around you can be. Start with the Big 3 Factors, and you can’t go wrong. They are:

1. Guest list: The number of people you invite determines the size of the venue you can select and also your budget. In the New Jersey/Phila-delphia area, you can count on an average of $130-$150 per plate per person at your reception, so if money is a consideration, you may have to pare down your list.2. Budget: You can spend $5000 (yes you really can! See below for some low-cost solutions) or $100,000 on your wedding. The average spend for a wedding in our area last year was $40,000 with an average guest list of 75.

Typically, the reception will eat up half your budget; the other items listed below average at about 8% to 12% of the rest of the budget.

3. Personality of the space: Once you’ve figured out how many people you’re inviting and about what you want to spend, you can start dream-ing. For most couples, a “mood board” can be a great idea. Start collect-ing pictures, colors, thoughts and dreams that create a feeling of what you want. Are you more formal people or kind of funky? Do you love the outdoors and see yourself married in an old barn or vineyard, or do you want a procession under crossed swords in a stately mansion or a hotel ballroom? Are you down-to-earth and comfortable in a banquet hall or firehouse? Be open and honest about your dreams and you will find the perfect place to land your wedding.

Details: Once you have the venue, you’ll need to figure out catering (including liquor and beverages), decorating, photography and videog-raphy, flowers, invitations and a wedding website, and music. If your guests will be traveling to you and staying in hotels, you need to reserve a block of rooms convenient to your venue. Remember that certain spaces (like hotels or wedding “palaces”) will provide all services if you choose them; with other types of venues you must deal separately with the dif-ferent vendors.

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TOY SHOP

ONE-OF-A-KINDFIND

TOYS AT

At Twirl, you’ll find unique toys, party supplies, hostess gifts, stationery and more!

Follow the fun on Facebook!facebook.com/twirltoyshop

info@twirltoyshop.com, 609-737-4386

Complimentary gift wrap and shipping Personal shopping, gift registries

Themed birthday parties in a festive party room

10 N. Main Street, Pennington, NJ

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Extras: Do you want an after-party where the festivities can go on for sev-eral more hours? Do you want a slide show of your grandparents’ and par-ents’ weddings? Do you want gifts for your bridal party?—you don’t need to think about those until you establish your Big 3 Factors and the rest of the details. But they will, of course, eat up some more of your money.

Wedding Planner, Do-It-yourself or In Between?Robin H., an elementary school teacher in Newtown, PA, was over 40

by the time she met Jason, the man she’s going to marry in October. They decided on a wedding they could afford all by themselves (although there was a little parental help), and they determined that $12,000 would be just right, if they economized on a few of their choices. They picked Co-lonial Dames in Center City Philadelphia, because it was very American and elegant but old-fashioned. The space accommodates no more than 120 and, while inexpensive (the rental for fall 2013 was $1900 for 4 hours,) the only given was the tables and chairs. Robin selected a lovely but not elaborate dress from David’s Bridal, who is also supplying the photographer. Jason is picking a local DJ he knows, and Robin and her matron of honor will go to the flower district to get their displays. They selected 12th Street Catering, which a friend had raved about and was also on the Colonial Dames approved vendor list.

If you are very busy, however, or don’t want to have to micro-manage a huge array of details, you can hire a wedding planner. They offer full-ser-vice packages that include everything from the moment you say, “I do… want you to plan my event” through the magical day), mid-service or a customized delegation of tasks, to just day-of-wedding services, where they act as major domo to be certain that everything you’ve put in place goes smoothly and you can just concentrate on enjoying your special day. Their fee goes on top of everything else and is also proportional to your total budget.

Sheila Corbett, of Elegant Events in Philadelphia, used to be a project manager for an engineering company, so organization is her first objec-tive. She uses Microsoft Project for each client, assigning tasks and time slots. Then she works on costs, making adjustments along the way.

For example, if you have your heart set on an elegant mansion, but don’t have the budget to match, you may be able to save on the venue by having your wedding on a Thursday, Friday or Sunday night when fewer people want the space. You could also have a brunch instead of a dinner.

Planning long in advance is a big money-saver—a year and a half is a

nice buffer. If you want an outdoor or destination wedding, Sheila can book it for you, and will arrange to rent tents and moveable restrooms with heat or air conditioning. She suggests that she prescreen the venues, caterer, photographer, florist, etc., leaving you to see only 3 of her top picks in each category.

Jennifer Simon, of Pretty Little Details in Hamilton, NJ emphasizes that you can dream big if you prioritize. Hone in on what is most impor-tant and what’s slightly less critical to you. She can save you time (and time is money!) by knowing the type of vendor to recommend based on your Big 3 Factors. You might have an aunt who is a brilliant baker create a cake, pies or cupcakes; you might negotiate buying your own liquor if the venue allows so that you can return unopened bottles. Jen-nifer and her 2 colleagues are also available for some delicate psycho-logical juggling—she can help manage your parents’ expectations if they have contributed a significant sum to the event and have some serious opinions that clash with yours. You don’t want your mom’s wedding, she says, you want your own—and it can be useful to have an outsider manage that for you.

Emily Matticoli at Emily’s Café & Catering in Pennington, NJ is a café-owner and caterer who offers full-service wedding planning. She often works with brides who live far away but grew up in Mercer County and will be coming home to get married. She can shorten the legwork by taking photos of venues she recommends and emailing them; she’ll get availability dates and do all the logistics, ordering tables, chairs, linens and china and even designing fabrics and recommending colors. She’ll work with the venue event planner to get the contract signed and ar-range details like the payment schedule and cancellation clauses. On day of the wedding, her event “captain” will set up the venue based on the pre-designed floor plan or garden plan, as well as place the escort cards and favors. Her staff will design the bar and order ingredients from local sources, come up with signature cocktail, and bartend the event. They’re also happy to do rehearsal dinners, if asked.

When selecting your wedding venue and all that goes with it, always re-member that this is YOUR event. By starting with the Big 3 Factors and being clear about your priorities throughout the entire planning process, you can be sure your wedding will be a joy to remember for a lifetime.

The size of your guest list and your budget are the foundation of your wedding venue choice. After that, it all depends on your personality, your style, and the perfect spot you envision for your extraordinary day.

Below are some local suggestions from our wedding planners and brides who’ve raved about their venues:

Elegant weddingsThe Cranbury Inn, Cranbury, NJthecranburyinn.com 609-655-5595

Glen Foerd Mansion, Philadelphiaconroycatering.com/docs/glenfoerd.html215-722-8082

Colonial Dames, Philadelphianscdapa.org/celebrations/ 215-735-6737

Warwick Hotel (Radisson), Philadelphiaradisson.com/meetings-and-events/social-events-and-weddings.php?language=en 800- 447-7011

Nassau Inn, Princeton nassauinn3-px.trvlclick.com/princeton-weddings/in-dex.cfm 888-868-0056 or 609-751-0903

The Ashford Estate, Allentown, NJ theashfordestate.com 609-494-9100

Trenton Country Club, West Trenton, NJtrentoncc.com 609-883-3800

Rustic weddingsPrallsville Mills, Stockton, NJbrillmansrentalbarn.com/prallsville.htm 215-860-7600The Old Mill, Media PA connercatering.com/oldmill/ 610-892-0141

Paradise Vineyard, Chesterfield NJparadisevineyard.org/index.html

Funky weddingsCamden Aquarium, Camden, NJ adventureaquarium.com/Venues/Party-Space/ Philadelphia-Wedding-Venues.aspx 856-365-3300 EXT. 7375

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zz

Lucky Strike Bowlingbowlluckystrike.com/parties-events/ 818-933-3752

Grounds for Sculpture, Hamilton NJgroundsforsculpture.org 609-586-1303And don’t forget your local firehouse or community center, if you are on a budget!

Wedding Planners and CateringElegant EventsSheila Corbett, ABC, Philadelphia PAAccredited Bridal Consultant™elegant-events.net 215-753-9231

Pretty Little DetailsJennifer Simon, Hamilton NJpldevents.com 732-737-7502

Emily’s Café & Catering, Pennington, NJ emilyscafe.com/weddings.html 609-730-1010

MaxHansenCaterer, Doylestown, PA maxhansencaterer.com 215-766-3439

12th Street Catering, Philadelphia, PA12thstreetcatering.com 215 386-8595

Branches Catering, West Long Branch, NJbranchescatering.com 732-542-5050 Invitations and Websites• “Save-the-date,” invitations, favors

and a website:paperdivas.com • Personalized Invitations:

loveleighinvitations.com• The Front Porch-thefrontporchnj.com

609-737-0071

Wedding PhotographersThomas Robert Clarke Photography, LLC thomasrobertclarke.com 512-659-4311 Escarpeta Photographics www.escarpetaphotographics.com 609-731-8226

Joe Amato Photography joeamatophotography.com 630-310-0877

Andrew Wilkinson-Wilkinson Media arw@wilkinsonmedia.net 609-818-0363

Hair and MakeupZanya Spa Salon, Lambertville NJ 609-773-0770 zanyaspasalon.com

]DQ\DVSDVDORQ�FRP ���������������/DPEHUWYLOOH��1-zanyaspasalon.com 609.773.0770Lambertville, NJ

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LifeWay of Living Well

WARM UP BALLISTIC STRETCHING, DO FOR 10 SECONDS EACH FLOP AROUND swing arms while slowly twisting torso side to sideBACK CHEST STRETCH arms out in front of chest palms facing away from each other, flip hands over stretch arms out to side, flip hands back return front, keeping arms straightRAGDOLL bend from waist, knees relaxed swing body gently side to sideSHOULDER, HEAD (FRONT ONLY) ROLLSTANDING LEG CIRCLESHEEL, TOE LIFT

CARDIOOPPOSITE ELBOW TO KNEE 12 each sideTOE TOUCHES arms straight out to shoulder height alternate touching right hand to left foot, left hand to right foot, 10xLUNGE SIDE TO SIDE feet wide apart, bend right knee. Left leg straight out repeat other side, 12xREPEAT CARDIO SEQUENCE

STRENGTH BUILDING/ FAT BLASTINGBURPEE 10x squat, hands down to floor, jump legs out to push up position, do push up, jump feet back to hands, stand up, and reach hands up to sky.

HENNESSY HEALTH AND FITNESS 20

MINUTE DO ANYWHERE ANYTIME

WORKOUTPlease consult your physician

before starting this or any exercise regimen.

Efficiently Fit - The 20-Minute Anywhere Workout By Helen Hennessy

Everyone wants a toned, healthy and beautiful body but not the work that is required to achieve it. This is especially true for those of us over 30. Here are the cold, hard truths ladies: • Exercise every day. And I mean it has to be challenging! Sweat! Heavy Breathing! Discomfort!

Heard these well-meaning tips? Take the stairs! Park in the far lot! Yeah, that’s good, but it is not enough to clean junk out of your trunk. You need 20 minutes per day of hard work to hoist up your rear, flatten your belly and get arms that look like Michele Obama’s.

• Think before you put that in your mouth! Ask yourself what is the nutritional value? Does this provide me with protein, vitamins and minerals? How much sugar is in this?

• Cut belly bloat fast: cut out wheat products and alcohol. OK, OK maybe not cut it out, but possibly one or the other or cut it in half? I limit myself to one glass (4-5 oz.) of wine per day and only up to one serving of wheat per day. You will be amazed at what a difference this makes after only one week.

• Eat as many fruits and vegetables as possible. Try not to eat anything processed (in a can, bag, box). Drink plenty of water, adding a lemon slice also combats belly bloat. These two things will not only help you lose weight but are also great for your skin.

• Don’t fall for get thin fast b.s. At best,you get a short term solution that will help you lose weight but one you cannot sustain. And some supplements that promise fat burning can cause serious and sometimes fatal health problems. Also beware of nonfat versions of foods. They usu-ally replace the fat with chemicals and/or sugar.

• Everyone knows sugar is bad for you but it deserves repeating. Sugar is the number one no-no! Sweetened beverages are the worst culprit as they are not filling but are full of empty calories! Artificial sweeteners often amp up cravings for sweets. Once you wean yourself off processed food you will lose your craving for it. When in the mood for a candy bar or pastry substitute a handful of nuts with a tablespoon of dark chocolate pieces or have an apple with natural nut butter.

• Be honest with yourself! Do you want to have a bikini ready body or drop a dress size or two? Then you will have to work out hard and watch what you eat and drink almost all the time. That said; if you cannot commit to that and you are not dangerously obese, cut yourself some slack. Walk as much as possible, play active games with your kids and make better food choices are enough to keep your weight under control and reap the stress busting benefits of exercise.

I have created a do anywhere anytime full body workout. No equipment is necessary, so no ex-cuses! Move quickly between exercises to increase time efficiency and fat burning.

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BICYCLE CRUNCHES lie on back, hands behind head, reach left elbow to bent right knee, left leg straight out do not let legs touch ground, repeat other side that’s one rep, repeat 20x.BRIDGE W/ INNER THIGH SQUEEZE lie on back knees bent, lift hips high, squeeze knees together, lower hips bring knees apart repeat 15x, hold for 15, pulse “tiny lifts” 15x.WALK OUT PLANK stand at end of mat, put hands down close to feet, walk hands out to plank position, hold 10 seconds, walk hands back to feet, stand up, repeat 5x.PLIE SIDE KICK stand with feet wide toes out to side bend knees into a plié, as you straighten legs. Kick one leg out to side, plié again, then lift other leg out to side 10xREPEAT STRENGTH/FAT BLASTING SEQUENCE

FLEXIBILITY/STRETCHHOLD EACH 10 SECONDS OR LONGERLie flat on your back, lift one leg to chest, repeat other side.Bring leg straight up, pull on back of thigh. Bend both legs, put ankle on opposite leg’s knee, pull legs to chest. Sit up, bring left leg with bent knee over right leg, right arm behind body, lifting chest up toward ceiling.

FOR BEST RESULTS COMPLETE WORKOUT 3X PER WEEK ON NON-CONSECUTIVE DAYS

Congratulations to the Spring 2013 Princeton University Creative

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Courage is like a

muscle. We strengthen it

with use. ~ Ruth Gordon““

LivingWell.indd 37 6/10/13 11:30 AM

38 moxiewomanmag.com

LifeWay of The Venus Perspective

MW wants to know how you handle the division of labor in your household...

For many years, when my kids were young, I was a maid, cook, driver, party planner, doctor, dentist, etc. My husband was bringing the check home every month and that was his only duty. When I went back to the workforce, I DEMANDED that some household work should be shared. Surpris-ingly, it worked! These days, I still shop and cook, (he can’t do either of them). But, laundry, cleaning, and everything else in our home is now shared. I believe nowadays, almost every household is based on two incomes. We women can’t do it all and be everywhere for our family. My solution: DEMAND. Believe me, it works!

Shiva Nili Vice-PresidentCalifornia Closets

After 22 years of marriage you have to be clever in your approach. My husband is convinced that I am simply incapable of cleaning the granite countertops in our kitchen properly. I just don’t have the right technique.(wink) There-fore, in order for them to look nice and clean, he is the only one who knows how to clean them and must do it himself. It’s a small step...I know.

Christine Fares WalleyDirector of Marketing, Enrollment and Business Development LIFE St. Francis.

Being a single mom with a 17-year old son who is never home, what choice do I have? I do everything and more!!!!

Kim Waters Zoe Graphics

My parents were my role models. They both worked and equally shared the responsibilities that come with having a home and family. Thank-fully, my husband is very secure and supportive of what I do. Neither of us is doing it all, all of the time. We are each doing some of it, some of the time, all of it, some of the time and it works because no one is keeping score.

Linda MartinOwner and Style AdvisorFLUTTER Boutique

At least in our home, the women (my girls and I) are not doing it all. Sometimes I think it is not split fairly, but when I go through the checklist in my mind of chores and errands, my husband does a lot. He has a more flexible schedule being a self-employed wholesaler. So when I come home from work and he is relaxing in his chair and the girls are relaxed and I have to do dinner and finish checking homework, I sometimes feel like it is unfair. I have a little over an hour com-mute to and from work, so my days are long. But I have to take a step back. He has always done his own laundry. He sweeps and vacuums the floors and he is the master breakfast maker and griller. He also maintains the whole outside (all seasons) and we have a large property. He makes sure the girls do their homework. He handles the finances for the business and I do the personal finances. Now that my girls are approaching the early teenage years they help me with some of the chores (folding clothes and dusting). I still handle the bathrooms, mopping, deep cleaning, the rest of the laundry, and the majority of the cooking. But he has learned he can follow a recipe if he tries. I am usually the calen-dar keeper for all of our activities, but he has been on many field trips, gladly chauffeurs them around, and enjoys taking them fishing. And two years ago, he initiated a family-day-trip-a-month and we have been fairly successful at keeping it going. So I really can’t complain that I am doing it all. I picked my career and do enjoy it, but I am usually very tired by the end of the week trying to do all of what I need to do.

Nicole Sparks Watts Publications Coordinator Pepper Hamilton LLP

I have been married for 30 years and feel we finally have an equitable distribution of labor in the Cvetan house!

Cheryl CvetanOwnerA La Mode on the Road

>

VenusPerspective.indd 38 6/7/13 2:17 PM

39moxiewomanmag.com

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*Call today for more details or to schedule a tour: 215-497-0904

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VenusPerspective.indd 39 6/10/13 3:05 PM

40 moxiewomanmag.com

Who Has a More Sophisticated Sense of Humor?Stanford University researchers found that women have a classier sense of humor than men. The researchers gave men and women humorous cartoons to look at while having their brains monitored with an MRI. Men showed a lot less activity in their brains than women. Men expected the cartoons to be funny and started laughing sooner without much thought. Women evaluated the cartoons with much more thought; their brains showed that they experienced more delight with each cartoon. The study revealed also why men enjoy the shallow slapstick humor more than women.

LifeWay of Gender BenderFun Facts on the Differences Between Men and Women

Who’s Faster?She might be faster than Jesse Owens.In the Olympics of 2156, women will beat men in the 100-meter run. According to Nature, the time difference between men’s and women’s speed in the 100-meter run has been shrinking. If the time difference continues to shrink as it has been throughout the 1900s, by 2156, women will be faster than men, at least in the 100-meter run.

High School Is for Girls

80% of school discipline is done to boys.

High school dropouts: 80% boys, 20% girls.

Blah Blah Blah

A woman speaks about 7,000 words a day;

a man speaks about 2,000.

Men don’t listen!Women should not blame men for “not listening.” It is not their fault—this is the scientific explanation according to Discovery.com. Since women’s voices have many more frequencies than men’s, the human brain must work harder to analyze sound frequencies and comprehend the meaning intended.

EMPATHYThey feel your pain!Women are much more empathetic than men. Neuroscientists at University College London monitored on an MRI scan 16 women’s brain activities while the women received electric shocks. Their brains showed activities in both emotional and sensory regions. Later neuroscientists shocked the women’s romantic partners while the women watched. The women showed the same activities in their emotional region of the brain as when the women themselves were getting shocked, though no activity appeared in their sensory region.

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41moxiewomanmag.commoxiewomanmag.com

Puerto Rico-born and Philadelphia-raised Elba Deck knows a thing or two about succeeding in the “boy’s club” of high finance. As the director of

financial planning and analysis for Voorhees-based New Jersey American Water (the state’s largest water and wastewater utility), she navigates the complex and male-dominated worlds of both public utilities and finances – while keeping her family firmly at the forefront.

Upon graduating from Rider University with an accounting degree, Elba found her calling in finance when she accepted what was sup-posed to be a purchasing position, but which became more accounting focused. Happy to be employed and really engaging with the fi-nance side of the business, Elba enjoyed her accounting work so much she decided to fast track further education. Upon completing her MBA, she set her sights on a management role in the field.

She took night classes at Philadelphia Univer-sity and earned her Certified Public Accoun-tant certificate in Pennsylvania while working full-time. Elba’s hard work paid off when she accomplished her goal and earned a promo-tion to accounting manager by age 21.

Fast-forward more than a decade and Elba earned the title of director of financial plan-ning and analysis at New Jersey American Wa-ter, managing a staff of six. She is responsible for the company’s five-year financial plan, as well as keeping the annual operating budget on target and in line with each year’s goals and projections. Over the past several years, Elba has led a cross-functional team of profession-als to successfully improve the company’s en-tire budgeting process.

And while Elba manages a nine-figure bud-get and, as a member of the company’s senior management team, is responsible for driving the public water utility’s overall business per-formance, she maintains the most important

challenge is leading each team member toward one common goal and succeeding with rela-tionships intact — a skill she hopes to instill in her teenaged daughters. She truly believes career satisfaction can come from the people you work with.

“A team can accomplish any goal if its mem-bers care about and respect each other along the way,” she says. Elba also stresses that, in

her field in particular, “Accounting and finance can be taught – but successful leadership is a true art.” She balances both seamlessly and successfully in her work with New Jersey American Water.

When Elba’s not in the Voorhees office, presenting to New Jersey American Water’s Board of Directors, or in the field with the company’s engineers and technicians, she makes family time a priority. Mom to two high school-aged daughters at two different schools, she volunteers with and splits her time between both. And although Elba chose to pursue a career in finance, she encourages her daughters to pursue their individual in-

Elba DeckDirector of Financial Planning and Analysis New Jersey American Water

DOWN TIMEWM

terests. One teen thrives in mathematics and the sciences, while the other is a talented and aspiring writer, having garnered praise for her poetry.

In addition to balancing high-stakes respon-sibilities at the office, working long hours and actively partaking in her daughters’ school and extracurricular activities, Elba helps her husband, a partner at a local manufacturing

firm, to care for his elderly father who lives with the family in their Newtown, Pa., home. When school is out for summer or holidays and they’re able to get away, the family en-joys quality time together on their family trips. And because she works so hard, Elba loves to take her family on memorable vacations like Paris, Hawaii, Rome, Munich, Venice and the Florida Keys.

Elba cherishes the time she’s able to spend with the girls; she also loves her job. But when asked which is more challenging, she imme-diately responds, “Parenthood is by far the toughest job I have. At least the world of fi-nance is logical!”

“Accounting and finance can

be taught – but successful leadership is a

true art.”

ELBA DECK AND HER FAMILY IN RED ROCK

COUNTRY IN MOAB, UT.

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IN HISTORYWMMary G. Roebling: Banker in HeelsBy Russell Roberts When Mary G. Roebling was

born in 1905, women were required to be seen but not heard, treated as little more

than a pretty adornment on their hus-band’s arm. However, by the time this pio-neer in banking died in 1994, important and influential women – moxie women - were everywhere.

Mary Roebling was one of those who blazed the trail for other women to follow.

She was born Mary Gindhart on July 29, 1905, in Collingswood, New Jersey. Her family was well-off, and she lived in a grand Victorian mansion called Hemlock Hall. It was an idyllic life of gardens and fountains, yet her parents always made certain to stress that wealth was earned, not handed to one. As a child she earned pocket money by selling strawberries for a penny a box.

After one marriage ended in widowhood and another in divorce, she married Sig Roebling. He was the grandson of Washington Roebling and heir to that famous family’s fabulous for-tune. However after several happy years death again visited Mary, when a stroke claimed her husband in 1936 at the young age of 45.

Her husband’s death opened up a seat on the board of the Trenton Trust Bank. Mary’s reputation was as a woman with a keen busi-ness mind and a tireless worker. She accepted the offer to take her husband’s seat. When she became president of Trenton Trust in 1937 at the age of 30 she had already achieved pio-neer status: the first woman to head a major American bank. However, the Great Depres-sion was still ravaging America, and it would take a lot more than just a female face to turn things around.

“Everybody was busted, and the bank was busted, too,” she would later recall.

Indeed it was. Although it had $11 million in assets and was the proud possessor of a land-mark 14-story office building that dominated the Trenton skyline, Trenton Trust also was $4 million in debt. The bank was struggling to stay afloat. Roebling decided that there was just one

thing to do: Devote herself to the bank 24/7. And so she did. Her days were a whirlwind

of paperwork and hobnobbing with Trenton’s elite, talking up the bank and seeking more busi-ness for it. At night she traveled to New York City to take classes in banking law so that she could increase her knowledge of the business.

Few things escaped her keen eye. Customers who started a new account received a free toy bank. Shamrocks were handed out on St. Pat-rick’s Day. Luncheons were held at the bank, at which Roebling explained concepts like invest-ing. She went all over the city selling the then-brand new idea of credit cards. Perhaps her big-gest innovation, however, was something that we take for granted today: the walk-up window.

On her way to establishing Trenton Trust as a premier bank – it had assets of $70 mil-lion by 1951 - Mary Roebling became one of Trenton’s power players. Her home was the epitome of culture and class, as she entertained the high and mighty from all over and talked up her city of Trenton.

Her list of “firsts” was staggering and includ-ed: First woman governor on the American Stock Exchange; founder of the first female-owned bank, the Woman’s Bank of Denver in 1978; first woman member of the exclusive Union League Club in Philadelphia.

Even after Trenton Trust merged with Na-tional State Bank of Elizabeth she stayed active in banking, serving as chairman of the com-bined institutions until age 78.

Mary Roebling died on October 27, 1994. Her words, however, live on and are still fol-lowed by moxie women everywhere: “Have your own power. Don’t give it to a man.”

WomeninHistory.indd 42 6/6/13 6:59 PM

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