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Description: HERLIFE Magazine is a full color publication with the mission of Keeping Women Connected. Each month our magazines are dedicated to the celebration of all that is exceptional in our communities. From the inspirational women we promote to interesting topics such as health, beauty and fashion to what's going on locally in each community, we strive to keep today's women connected to the things they need and want.

KEEPING WOMEN CONNECTED Shannon Block CEO and President of Denver Zoo HEALTH PCOS WHAT IT MEANS FOR YOU OR YOUR DAUGHTER CULINARY GOOD HOST GOOD GUEST ACCOMMODATING FOOD ALLERGIES FINANCE DEVELOPING YOUR PERSONAL FINANCIAL STATEMENTS HERLIFEMAGAZINE.COM 3 HERLIFE CONTENTS staff & contacts Editor-In-Chief Linnore Gonzales linnore herlifemagazine.com 303-630-0979 ext. 2 Lianne Martin lianne herlifemagazine.com 303-630-0979 ext. 702 Pam Bourdo pam herlifemagazine.com 303-630-0979 ext. 705 Marilyn Isaminger Janet Crouch janet herlifemagazine.com Elana Bell elana herlifemagazine.com Ann E. Butenas Lisa Taranto Butler Patty Cook Stephanie Fox Melissa Haines Lavin Marilyn Isaminger Katie Koonce Heather Noble Linda R. Price veryculinary.com Jason Hayes Photography KB Digital Designs Lightbox Images Evan Sem n veryculinary.com 9337 Commerce Center Street C-2 Highlands Ranch CO 80129 Phone 303-630-0979 For Advertising call 303-630-0979 Subscriptions are available for 20 (for 12 issues). Please go to www.herlifemagazine.com or mail a check made out to HERLIFE Magazine to the above address. Sources for all articles can be found online at www.herlifemagazine.com Managing Editor Account Executive Editor Art Director Advertising Art Director Contributing Authors Contributing Photographers To contact HERLIFE Magazine Subscriptions Sources HERLIFE Magazine of Denver is operated locally by Nahesa Productions LLC an independently owned and operated franchisee of HERLIFE Magazine LLC. To reach national headquarters call 913-402-6994. 2015 by HERLIFE Magazine. All rights reserved. Although some parts of this publication may be reproduced and reprinted we require that prior permission be obtained in writing. HERLIFE Magazine is owned by Nahesa Productions LLC and is a free publication distributed locally and is supported by our advertisers. It is available in selected specialty stores doctor and dental offices medical spas hair and nail salons tanning salons public libraries and numerous other high traffic locations. Please call for a location near you or if you would like copies placed at your business. We do not necessarily endorse the views expressed in the articles and advertisements nor are we responsible for the products and services advertised. We welcome your ideas articles and feedback. 4 HERLIFEMAGAZINE.COM features 18 10 30 12 36 06 Welcome From the Publisher 08 Editor s Picks Our Roundup of Top Products 10 Beauty H2O Drink Up 12 Health PCOS What It Means for You or Your Daughter 14 Culinary Good Host Good Guest Accommodating Food Allergies 16 Recipes Mediterranean Orzo Salad Shrimp and Zucchini Tostadas 18 Inspirations Shannon Block It s Good to be the Zoo Lady 22 Mother s Perspective Lunchbox Blues Healthy Kid-Friendly Foods 24 Wine Grape to Glass 26 Working Women Tips and Action Plans for Job Seekers 28 Spotlight Denver Integrated Plastic Surgery 30 Real Estate Home Ownership Perks Exemptions Credits and Grants 32 Finance Developing Your Personal Financial Statements 34 Home & Design Selecting the Perfect Coffee Table 36 Pets Dealing with the Loss of Your Pet 38 Trendsetter Biscotti & Kate Mack 44 Travel Going Solo Travel Safely 46 Tie The Knott Shana & Bo 48 Tie The Knott Tawni & Adam HERLIFEMAGAZINE.COM 5 HERLIFE WELCOME in the blink of an eye H ave you ever heard or used the phrase Time Flies When You re Having Fun I know I have. However I m now not so sure if time really goes faster because I am enjoying my life and having fun or if it s because I am getting older. This year like the previous four or five years has flown by so quickly. These questions may not mean anything to the younger generation but for those close to my age (and I am not revealing that number) do you remember spending your summer vacations when you were a child wishing that the days would go by much quicker so you could be back at school seconds minutes hours and days and felt time was going so slow. When I was younger I couldn t wait until I grew up to be a teenager so I could do all the cool things teenagers do. Then you reach a stage where you feel it takes forever for you to be at an age when you can start driving. Then there s looking forward to adulthood having your own place finding a great career and raising a family. Because I refuse to say I am old I found it easier to blame technology and the new normal of getting everything NOW. Information is so readily available that you can just Google or ask Siri for the answer. Didn t we previously make time to trek to the library to do research and find out information we need We used to find a phone book when we needed a phone number or address. Now we have Google maps GPS systems and Bluetooth that can find where you re going call people and dial numbers from your phone book Need something but have no time to go to the store Now there s Amazon and other online shopping sites when you get that urge to shop. No need to waste time at the mall you can even get your shipment sent next day air if you really are in such a hurry. No need to write a letter and wait months for a reply. Just send an email or better yet a text and get an answer in seconds Even pictures do not need to be developed and printed for you to be able to share. Grandma doesn t need to wait and anticipate receiving grandkids photos in the mail since now she can get them instantly from Facebook Instagram Twitter or Tumblr. Li n n o re G o n z a l e s There are so many things to do with so little time that it is the norm to multi-task and do several things at once. I now look back and savor the times growing up when I would sit outside on a warm summer day waiting for the time to pass. How I wish to have that feeling again when I felt I had all the time in the world to do all the things I wanted to do I know it seems that time flies by in the blink of an eye just remember to breathe enjoy and be thankful for every second you have. p h o to by j a so n h aye s p h o to gra p hy and see your friends I remember those days when I used to count the stay tuned... 6 Look for the October issue where we feature the dynamic marketing duo of Debbie Fitzgerald and Regan Petersen of Fitzgerald Petersen Communications. facebook.com herlifedenver twitter herlifedenver1 HERLIFEMAGAZINE.COM HERLIFEMAGAZINE.COM 7 HERLIFE EDITOR S PICKS editor s picks our roundup of top products 1 magicOpener - The magicOpener combines the three most common types of beverage openers into a single easy-to-use product. It s portable and can be kept in your purse backpack or glove compartment. That way you ll never have to struggle with piercing metal caps stubborn twist tops or nail-chipping pull tabs ever again. magicopener.com. 1 2 2 M. Boutique - M. Boutique by Chris Foster offers candles and home care products formulated with only the finest natural environmentally friendly ingredients with absolutely no sodium laurel sulfate paraffin or dyes of any kind. mboutiqueintl.com. 3 Compart s Gourmet Chocolates - Crafted by Jonathan Grahm the Chocolatier to the Stars Compart s is a chocolate line that makes a luxurious gift to give or receive. Handmade in Los Angeles the premium gourmet chocolates are true works of edible chocolate art compartes.com 3 8 HERLIFEMAGAZINE.COM 4 4 Facial Smoothies - Train your skin to stay tight with Facial Smoothies Wrinkle Removal Strips. Facial Smoothies are transparent adhesives shaped for the wrinkle-prone areas of your face and they leave your skin looking baby smooth and line free. They are the safest most cost effective natural alternative to Botox on the market. facialsmoothies.com. 5 Pets by Jorge - M. Boutique has joined forces with New York s most sought-after celebrity dog groomer Jorge Bendersky to create a full pet care line that reflects the Luxury by Nature high quality of its other products. mboutiqueintl.com. 6 Apricot Lane s Athleisure Trend - The athleisure trend is everywhere this fall mixing everyday casual T-shirt materials with a subtle hint of sheer to make this an everyday must-have look. You can never go wrong with simple colors such as black and heather grey comfy yet sexy or you can go flirty in fall and turn heads without effort in a look such as this. Apricot Lane Centennial The Streets at Southglenn 2154 E Commons Ave 321 Centennial Colorado 303-955-7452. 6 7 Classic Style - Classic in black and white yet with a touch of romance this is the ultimate dress for a night out on the town cocktail party or special occasion. Paired with a fantastic shoe or bootie it s almost impossible not to turn heads in this dress Apricot Lane Centennial The Streets at Southglenn 2154 E Commons Ave. 321 Centennial Colorado 303-955-7452. 5 7 HERLIFE BEAUTY H2O drink up by k a ti e ko o n c e T 10 he search for the holy grail of skin care has endured for decades. Millions of dollars are spent every year on skin care products that promise to help women achieve great skin and stay of human skin is water. When skin cells are filled with water the skin is hydrated causing it to look fuller. Wrinkles are minimized. But unfortunately drinking more water will not erase fine lines forever. Once damaged whether by sun exposure or an unhealthy lifestyle your skin is permanently altered. Drinking water and hydrating the skin will minimize signs of aging only as long as the skin is hydrated. For this reason in order to achieve younger healthier-looking skin it s important to make skin hydration an everyday priority. for damaged skin it won t hurt to increase your water intake. Like any organ that relies on water to function skin works best and also looks best when it is hydrated. Dehydrated skin because it has less flexibility appears drier and tighter and is more susceptible to wrinkles and unwanted fine lines. To avoid permanently damaging skin it is important to make sure that water is being kept inside the skin cells. Keeping skin cells hydrated will also help to ensure your skin continues to look healthy and radiant because drinking water helps to flush impurities and toxins out of the skin. Our bodies lose large amounts of water every day. Because the skin is the very last organ that water reaches after it is consumed it s important to use a water-based moisturizer to keep looking younger for longer. But what if the magic beauty bullet the secret to flawless wrinkle-free skin has been right in front of us the entire time Health experts swear by the eight cups of water a day rule in order to sustain a healthy lifestyle but could drinking water also be key to healthier skin Is Water the Answer Skin is one of the most important organs that make up the human body. Like other organs skin is made up of thousands of microscopic cells that require water to function. In fact 64 percent HERLIFEMAGAZINE.COM Keeping Skin Hydrated We ve been advised to drink water for years to remedy everything from acne to weight gain. While drinking water may not be a magic cure-all Set alarms or reminders on your phone or work computer to remind yourself to drink a glass or refill your water bottle. There are also apps such as Waterlogged or Water Your Body available for download that can help to track and improve your daily water intake. water in the skin and avoid flaky dry texture and wrinkles. Moisturizer helps to seal water in the skin to ensure it does not dry out. How to Drink More Drinking the standard eight ounces of water eight times a day can be hard and sometimes inconvenient. Most women whether in the office or at home have trouble finding time to drink 2 liters or half a gallon of H2O each day. Health experts suggest the following tips for drinking more water throughout the day Keep a bottle close. Keeping a reusable water bottle or tumbler near you at all times can be a constant reminder to drink up. Put a full bottle of water on your desk at work or in your purse when you re running errands. This is a convenient way to stay hydrated. Add some flavor. Drinking large amounts of water can be hard because of the beverage s relatively bland taste. Make drinking water more enjoyable by adding a few drops of MiO or a couple slices of fruit such as lemons limes or oranges to your water bottles. Not only will the added citrus help to keep your skin clear but it will also cleanse your body and fight hunger. Remind yourself. An easy way to make hydration a priority is by constantly thinking about it. Set alarms or reminders on your phone or work computer to remind yourself to drink a glass or refill your water bottle. There are also apps such as Waterlogged or Water Your Body available for download that can help to track and improve your daily water intake. Have a glass with every meal. Challenge yourself to drink a glass of water with every meal or snack. Even if you would prefer a soda while dining out order water as well. Making a habit of drinking it with every meal will also help tame your hunger and make you feel fuller. Eat your water. Drinking a lot of water will result in the loss of a lot of water which can cause the loss of minerals from the body as well. Eating fruits and vegetables with high water content such as avocados apricots spinach and cucumbers can help water your skin cells. Increasing water intake and using a waterbased moisturizer will help to keep skin cells hydrated and skin looking radiant and wrinkle free. But like all good things it may take a few weeks to see significant improvement so be patient and drink up HLM HERLIFEMAGAZINE.COM 11 HERLIFE HEALTH PCOS what it means for you or your daughter by l i sa ta ra n to b u tl e r M and alone. egan was in her late 20s. She hadn t had her period in more than nine months she was suffering from major highs and lows with blood sugar experienced of women and is one of the main causes of infertility. Many women won t know they even have PCOS until they try to become pregnant and have difficulties. PCOS cannot be diagnosed with one test alone and symptoms vary from woman to woman. Early diagnosis is important as it has been linked to the development of several medical risks including insulin resistance Type 2 diabetes high cholesterol high blood pressure and heart disease. Causes The exact cause of PCOS is not fully understood but genetics may be a factor. PCOS seems to run in families and can be passed down from either the mother s or father s side. Excessive insulin and insulin resistance are known to be con- tributing factors and may be the biggest trigger in the development of the condition. Chronic inflammation may influence the development of PCOS by promoting insulin resistance. Symptoms PCOS signs and symptoms often begin soon after a woman first begins having periods. In some cases PCOS develops later during the reproductive years and it can occur in response to substantial weight gain. PCOS has many signs and symptoms all of which can worsen with obesity. Symptoms are often mild at first. Some women may have several symptoms while others may experience only a few. Some of the most prevalent symptoms include the following night sweats and went through a myriad of mood swings. Her doctor diagnosed her with Polycystic Ovary Syndrome or PCOS. Like many women she felt confused and scared by such a frightening finding. Before leaving her doctor s office she was given a pamphlet and was told that trying to conceive might be a problem. She left feeling sad Polycystic Ovary Syndrome also known as Stein-Leventhal syndrome is one of the most common endocrine system disorders in women. PCOS affects approximately five to ten percent 12 HERLIFEMAGAZINE.COM 4 Irregular periods Often women with PCOS have fewer than nine periods a year. Some women have no periods. Others have very heavy bleeding. 4 Acne 4 Weight gain and trouble losing weight 4 Excess androgen Elevated levels of male hormones (androgens) may result in physical signs such as excess facial and body hair. Often women get more hair on the chest belly and back. 4 Thinning hair on the scalp 4 Polycystic ovaries Polycystic ovaries become enlarged and contain numerous small fluid-filled sacs that surround the eggs. 4 Fertility issues Many women who have PCOS have trouble getting pregnant. 4 Other skin problems including skin tags and darkening skin Diagnosis and What to Expect To diagnose PCOS the doctor will typically ask patients about health history symptoms and current menstrual cycle. In addition she will perform a physical exam to look for signs of PCOS such as extra body hair and high blood pressure. Height and weight will also be checked to see if patients have a healthy body mass index. Lab tests will be performed to check blood sugar insulin and other hormone levels. Hormone tests can help rule out thyroid or other glandular problems that could cause similar symptoms. Pelvic ultrasounds are often done to look for cysts on a patient s ovaries. Treatment There is no cure for PCOS but fortunately it can be managed. Treatment goals are usually based on symptoms the age of the woman and whether the patient wants to become pregnant. In addition treatments are performed to help further complications such as heart disease diabetes sleep apnea and uterine cancer. Most women will undergo a combination of treatments and make lifestyle changes to experience the best results. For women who don t want to get pregnant birth control pills can help control menstrual cycles reduce male hormone levels and clear acne. Some medications that are used to treat Type 2 diabetes can often be prescribed for PCOS patients to help alleviate certain symptoms. PCOS also causes lack of ovulation with some patients so fertility medications are often prescribed for those women who want to become pregnant. A laparoscopic surgery known as ovarian drilling may also be an option although it s not the first treatment recommendation and has a less than 50 percent success rate. One of the best treatments for PCOS is a healthy lifestyle. Since many women with PCOS are overweight eating healthy and exercising is very important to keep weight at a healthy level. Even a ten percent loss in body weight may restore a normal period and help cycles become more consistent. With a proper diagnosis treatment and lifestyle changes relief from PCOS and the overwhelming health problems it can cause is attainable. Women like Megan who are armed with a little education and a lot of persistence will lower their risk factors and can lead happier healthier lives. HLM HERLIFEMAGAZINE.COM 13 HERLIFE CULINARY good host good guest accommodating food allergies and preferences by p a tty c o o k D 14 inner parties should be fun for both guests and hosts. But it s not fun to plan a dinner party only to find that a guest has multiple food allergies and cannot eat anything you prepared. Or plan is in harmony with your menu The easiest way to find out is to ask. There is a difference between food preferences versus food allergies. Allergies may be to one or more foods (wheat dairy nuts gluten seafood). People with food allergies may have a mild reaction such as hives or a very severe and life-threatening reaction that requires immediate medical care. In contrast food preferences (vegetarian vegan organic halal sugar-free) are not necessarily a health issue. But in either case you want to make sure your guests enjoy their meal. If you learn that a guest has food allergies discuss the details. If a food allergy requires that the person carry an EpiPen at all times take it very seriously even a small amount of a food allergen means that a call to 911 may be needed. Dairy allergies mean more than being lactoseintolerant (avoiding milk cheese and ice cream). You also need to check packaged foods such as salad dressings and candy for ingredients like casein which is a milk protein. A fish allergy means there can be no anchovies in the Caesar salad dressing and no fish sauce in the stir-fry. People who live with severe food allergies have learned to cope with them over time. They realize that it takes great effort to learn what food is safe for them. If a guest with allergies is more to learn for the first time that someone you know no longer eats meat or carbohydrates. A gracious host wants to make guests feel welcome and cared for. Part of this is learning what foods your guests prefer and what they do not (or must not) eat. This requires a brief discussion essentially an agreement or social contract between host and guest. It s really common sense. How do you ensure that your guest s food HERLIFEMAGAZINE.COM If you have no clue what foods are paleo or pescatarian don t stress let the Internet filter this information and use your computer to search out recipes.You just might find some new recipes that you can t live without. comfortable bringing a dish that they have prepared for all to share please know that this is the safest plan for the guest and the host. There are plenty of people without food allergies who avoid certain foods because they simply feel better if they don t consume them. Other people cannot tolerate certain foods for different reasons such as flavor or texture. Cilantro is a perfect example. Studies have found that some people may be genetically predisposed to sense that cilantro tastes exactly like soap. Julia Child was one such person she said of cilantro I would pick it out if I saw it and throw it on the floor. However there are not many hosts who would remain calm if a guest threw food on the floor. A good host accommodates guests with unique preferences by talking with them about the menu. If you re unsure what to serve ask what their favorite dishes are so you can include some side dishes that will work for them. If you have no clue what foods are paleo or pescatarian don t stress let the Internet filter this information and use your computer to search out recipes.You just might find some new recipes that you can t live without. It may be impossible to customize your main dish to please every guest. If that s the case offer side dishes that will give everyone an option. Point out dishes you re serving that are specific to each guest listing ingredients for dishes when you can. Be honest about ingredients your vegan guest will appreciate knowing if your mashed potatoes were made using chicken broth. One option for harried hosts is to serve two different main dishes. For example if your signature dish is lasagna create one meatless version for vegetarians serve side dishes that are meat free to please all your guests. Another option is to skip a sit-down dinner in favor of serving dishes buffet style. You can serve a formal buffet or have an informal barbecue selfserve taco bar or make-it-yourself pizza allowing guests to choose what they want. What about the guest who informs you as they sit down to dinner Oh I hate (fill in the blank bacon cilantro bell peppers mushrooms) What to do First hosts who have done a proper job deserve guests who reciprocate in kind. A good guest finds a way to compliment the host and always says thank you. Second remember chef Ina Garten s dinner party advice for hosts to relax and have fun. If guests sense that their host is stressed Garten says the fun stops. What then is the proper response Relax smile and say Oh sorry as you move on. Yes it s that simple. You ve done your job now it s time to relax. Have fun HLM HERLIFEMAGAZINE.COM 15 HERLIFE RECIPES mediterranean orzo salad Serves 4 as a side Prep time 10 minutes Cook time 10 minutes ingredients cup uncooked orzo pasta 1 3 cup chopped red bell pepper 1 (2 ounce) can sliced black olives drained 1 cup finely chopped spinach 1 scallion green parts only chopped 3 tablespoons crumbled feta cheese teaspoon dried oregano Scant teaspoon salt Scant 1 8 teaspoon pepper 1 tablespoon extra virgin olive oil 2 teaspoons red wine vinegar directions recipes and p hot ogr ap hy by ver y c ulinar y.c om Cook orzo according to package directions al dente about 10 minutes drain and transfer to a medium bowl. Toss in remaining ingredients. Taste and adjust seasoning to your liking. Serve warm or cool HLM 16 HERLIFEMAGAZINE.COM shrimp and zucchini tostadas Serves 4 Prep time 15 minutes Cook time 10 minutes ingredients 6 (6-inch) flour tortillas 1 cups (6 ounces) shredded Monterey Jack cheese 1 tablespoon extra virgin olive oil 3 cloves garlic minced 2 medium zucchini halved lengthwise and thinly sliced Salt and freshly ground pepper 1 pound large peeled and deveined shrimp 1 tablespoon lime juice 1 3 cup sour cream 3 scallions chopped small directions Preheat oven to 450 degrees. Place tortillas on two large baking sheets. Sprinkle with the cheese. Bake for about 8 minutes or until tortillas are crisp and cheese is melted and bubbly. In the meantime heat the olive oil in a large skillet over medium-high heat. Add the garlic and zucchini season with salt and pepper. Cook stirring frequently until zucchini is crisp-tender about 3 minutes. Add shrimp and cook stirring frequently until pink and cooked through an additional 3 minutes. Remove from heat and stir in the lime juice. Spoon shrimp mixture over tortillas and top with sour cream and scallions. Serve right away and enjoy HLM recipes and p hot ogr ap hy by ver y c ulinar y.c om HERLIFEMAGAZINE.COM 17 HERLIFE INSPIRATIONS 18 HERLIFEMAGAZINE.COM CEO and President of Denver Zoo wr it t en by a n n e . b u te n a s p h o to by l i g h tb o x i m a ge s Shannon Block free world seemed tenuous she forged another path for herself and as with most success stories the road she took to get to where she is today has been rich with experiences challenges and opportunities. And when opportunity knocks for this ambitious professional she never complains about the noise especially when that noise comes in animal form. With her original plan off the table Shannon gravitated toward the study of physics a field of study in which she initially stood out as the only female but the coursework intrigued her as it catered to her penchant for problem solving and contributing to decided results. During her undergraduate years Shannon also completed the Research Experience for Undergraduates program in accelerator-physics research through Cornell University eventually graduating from GWU in 2001 with a W hen Shannon Block attended orientation at George Washington University in Washington D.C. as an enthusiastic BS in both physics and applied mathematics. Without wasting any time she then completed a master s degree in physics from Tufts University in 2003. It was during that time of her life that she met someone who encouraged her to leave the East Coast vibe and move out to the mountains. Without much hesitation Shannon packed her bags headed west and fell in love with the beauty of Colorado. She was soon hired by PricewaterhouseCoopers LLP to work in a newly created department which was actually dissolved before she even got the chance to roll up her sleeves and dig in. So she did what she was naturally inclined to do. I made my own path she noted. I found ways to make myself useful and did projects no one else wanted to do. I solved problems for others. From there she transitioned to Deloitte honing her undergraduate in 1997 the presenter asked the audience who wanted to become President of the United States one day. Shannon could barely contain her enthusiasm in response to the question until she realized that nearly every hand in the auditorium was raised. It was then she decided to shift gears and pursue a less traveled route or at least a career that had decidedly more openings than the Oval Office. Born and raised in Edina Minnesota Shannon president and CEO of Denver Zoo has always been a bold and determined individual. She had no trouble setting goals for herself and figuring out the best way by which to reach them. So when her initial plan to become the leader of the HERLIFEMAGAZINE.COM 19 skills in global innovation as a top-rated senior manager and continued to make a name for herself by doing the work that no one else wanted to do. For Shannon these were not just problems to solve but challenges and opportunities through which to grow. Her skill set expanded by leaps and bounds and Shannon was soon known for her prowess in developing and achieving key strategic initiatives to further the mission and vision of world-class organizations. After five years with that company Shannon was named as the chief business development officer of the Denver Health Hospital Authority managing the growth of a 500-bed hospital. That positioned her to segue to the CEO position of Rocky Mountain Cancer Centers where she oversaw more than 600 employees and 21 locations. Then opportunity knocked again and this time it didn t just knock. It roared literally. By early March 2014 Shannon got a call from Denver Zoo. How would she like to become the president and CEO of the most popular cultural attraction in Colorado that boasts roughly two millions visitors annually Based on her exceptional history of mals have a way of bringing people together to learn educate and inspire. Among her primary responsibilities (besides getting to know the animal tenants on a first-name basis ) include setting the strategic direction for the Zoo which entails a focus on their mission vision and strategic imperatives. We just finalized our 20-year vision for the Zoo she happily stated. Fundraising is also a critical component of the job. With an average cost of 80 000 per day to operate the Zoo funds are always in demand. The Zoo employs top-notch care for its animals which includes a hospital nutritionist animal behaviorist veterinarians and zookeepers as well as updated software used to analyze the behavior of the animals so that they can receive the best care. It s a full-service operation that demands a fullservice budget. We attract the best talent here at the Zoo stated Shannon. Top fundraisers for the Zoo include Zoo Lights and Do at the Zoo the former a familyfriendly event in December and the latter a more glamorous adults-only evening that involves food from local restaurants wine and entertainment. We are supported by daily gate revenue as well as the Scientific and Cultural Facilities District she emphasized. Further Shannon works to ensure that the mission of the Zoo to secure a better world for animals through human understanding is securely in place and of central focus. Denver Zoo has a conservation movement that has been recognized by the United Nations and is a champion of conservation in terms of preserving guarding and protecting the world s environments its resources and biodiversity. The Zoo values all animals and heralds conservation as a lifestyle for this organization. Through its partnership with the Association of Zoos and Aquariums the Zoo continues to sup- OF COURSE SHANNON IS THE TYPE OF PERSON WHOSE JOB IS HER PASSION. IT S WHAT SHE LOVES. IT S WHO SHE IS. IT S PART OF HER SOUL. I USED TO BE THE ONE WHO DID THE WORK NO ONE ELSE WANTED TO DO SHE REFLECTED. NOW I HAVE THE REALLY COOL JOB...I AM DEFINITELY PROUD OF WHO WE ARE HERE AT THE ZOO. 20 HERLIFEMAGAZINE.COM keen abilities in such key areas as negotiation program management business strategy risk management marketing consisting analytics and process improvement Shannon proved to be the perfect fit for such an opportunity. She eagerly accepted the offer to report to a 40-plus board of trustees provide leadership for and manage more than 600 in-house and outsourced staff and more than 600 volunteers not to mention the 4 300plus wild animals on 85 acres along with the Zoo s international conservation program that has implemented hundreds of projects spanning the globe on all continents. The zoo was my happy place as a kid Shannon recalled. And I love the way ani- Shannon Block CEO and President of Denver Zoo port animals through a variety of programs such as the Species Survival Plan which is a breeding program that focuses on the survival of many species by keeping the population of the Zoo healthy and abundant. The Zoo also collaborates with other zoos and aquariums in order to promote awareness about threats to biodiversity on a global spectrum. Additionally the Zoo is a tremendous resource for local wildlife conservation through numerous programs designed to encourage and educate on the protection of animals and their ecosystems. Another key component of the Zoo is its educational arm. Through a team of professional educators and enthusiastic volunteers the Zoo offers a cornucopia of programs classes camps guided tours exhibits and more to help people learn to value respect and care for animals and their natural habitats. Away from the Zoo Shannon enjoys spending quality time with her three-year-old daughter Addie who often accompanies Shannon on weekends to the Zoo. Shannon also enjoys diving into one of her favorite books her passport. A true page-turner it evidences adventures the world over including Iceland Hong Kong Singapore and Botswana. Of course Shannon is the type of person whose job is her passion. It s what she loves. It s who she is. It s part of her soul. I used to be the one who did the work no one else wanted to do she reflected. Now I have the really cool job. She paused a moment as if to contemplate which animal she would visit that day (she admits she has been rather keen on Jim the gorilla lately but she loves all the animals) and smiled. It s good to be the zoo lady. I am definitely proud of who we are here at the Zoo. HLM For more information on the Denver Zoo go online at denverzoo.org. HERLIFEMAGAZINE.COM 21 HERLIFE MOTHER S PERSPECTIVE lunchbox blues healthy kid-friendly foods by l i sa ta ra n to b u tl e r I t s Thursday night and we ve all been here before standing in the kitchen in front of the refrigerator deciphering what to pack for our kid s next day lunch. Only one more weekday left. Can we make it Healthy lunches look good to the adult eye and sound good on paper but often our kid-friendly quinoa salad isn t so kid friendly. Our lovingly packed food ends up in the trash or swapped out for something far more processed and lackluster. When it comes to packing a lunch that looks good enough to munch and packs a nutritious punch we could all use a hand. Here are a few ideas to make your lunchbox more popular in the kid cafeteria. Kids Can Help Getting your child involved in the prep stage of meal-making may get them eating especially if they know they made the finished product. When a child is part of the lunch-making process they ll take pride in their work and will be more enticed to eat their masterpiece when it s done. Change It Up Little Lauren likes her Barbie lunch box but last year it took a beating. Switch out lunchboxes for a different feel and look. Just like a new pair of shoes makes kids want to skip to class a new lunchbox adds a little spunk to your little one s lunch. Buy a few new plastic storage keepers in your child s favorite colors or superhero pattern. Bento boxes are great to keep food separated and proportioned well and picky eaters like the colorful choices. If your child does lunch brownbag style offer to buy different colored bags or have your little one do some artwork to make his unique. Keep it Simple Some of the healthiest foods look the most pleasing to the eye and are the easiest to make. That s because healthy food is usually free of dyes colors and artificial flavors. Reaching for overly processed items in vending machines and the school cafeteria is not just costly the food is filled with sugars salt and empty calories. The best choices come from basic foods you already have at home. Pack 22 HERLIFEMAGAZINE.COM KID-MUNCHING RECIPES Try these ideas to add a little punch to your lunch this fall Turkey and Cheese Quesadilla In a medium pan heat a tablespoon of olive oil over medium heat. Add an 8-inch whole grain tortilla. On one half of the tortilla layer some cooked turkey or chicken a sprinkling of shredded cheddar and a few sliced green or red peppers. Fold over the other half of the tortilla and flip to brown each side and melt cheese. PB&C Nix the old peanut butter and jelly for more creative versions. Just swap jelly for dried cherries or other dried fruit. If your child goes to a nut-free school or is allergic to peanut butter use sunflower butter instead. Or skip the bread all together. Core a small green apple slice into six small circles. Brush with lemon to prevent browning. Divide some peanut or almond butter and several raisins among three apple slices. Sandwich together with remaining slices and you ve got an entirely different entree. Creamy Banana Sammie Kids will start asking for this bread and spread concoction. Spread two tablespoons of whipped cream cheese on two slices of whole-grain bread. Top with sliced banana. Sprinkle on a little cinnamon for a spicy version. Cheddar Apple Sandwich The taste of cheese and fruit isn t just for adults. Kids like apples and cheese so when the two are combined you ll get rave reviews rather than yawns. On a small whole-grain roll layer two thin slices of cheddar cheese with three thin slices of apple. Serve with baby carrots. the portable classics such as peanut butter crackers string cheese apples bananas yogurt and trail mix. And don t forget the good ol Ants on a Log. Spread celery sticks with peanut butter and sprinkle raisins on top. Perfect Packing Tips Soggy sammies are so last year. To prevent mush pack separate ziptop bags of tomato slices cheese and bread and kids can assemble the sandwiches just before eating. Try toasting the bread beforehand to keep it crisp. Just because you want your little one to have a healthy lunch doesn t mean you have to skimp on fun and taste. Sweet treats are fine as long as they aren t mega-size. Packing a pre-portioned goody such as brownies or cookies saves calories in the long run and kids won t feel deprived as they head into the afternoon. Let s face it even the most prepared moms get a little flustered trying a pack a nutritious and attractive lunch every day of the week. But as we head back to school once again a little change could do us good. By taking a new approach and keeping a new idea or two up your sleeve you might keep your heartfelt packed lunch from ever being traded again. HLM HERLIFEMAGAZINE.COM 23 HERLIFE WINE grape to glass by m e l i ssa h a i n e s l av i n T 24 he Farm to Fork phenomenon has been a positive platform for food and farm educators it demonstrates the value and importance of knowing the source of our meals and supporting from crisp sweeter Rieslings Pinot Grigios and Rose wines and look to the classic Chardonnay for the body and warmth to accompany fall recipes and activities. With 125 calories in 5 ounces white wine remains on food plans and restaurant wine menus year round for its refreshing and wellrounded qualities. Chardonnays of summer will be remembered as the chilled stone fruit apricot and honeyed beauties on warm days perfect for poolside barbecues and warm evenings light on the palate with very little acid. Fall chardonnays have more heft to the palate spice on the finish and yes even that famous traditionally classic desirability of creaminess oaky-buttery. Have you heard the term I ll bet you have It s a descriptor that s often thrown around cocktail and dinner parties inviting conversation about the wine. Even in wineries and grocery stores wine staff makes note of what kind of oak was used if any in the barrel aging process for the chardonnay. It does make a difference. Barrels made of French oak impart flavor into wine differently than American oak or even Hungarian oak. French white oak for example comes from various forests in France with unique nuances of specific forests from which it was harvested. American white oak is generally similar in characteristics whereas the cooperage reputation for quality is more important to the winemaker. The winemaker will decide what percentage if any of the fermented chardonnay wine will sit and age in the barrels. Nine to 15 months on oak makes a lasting imprint on wine versus stainless steel barrels. The wine will actually mature in age with oak barrels while wine in stainless barrels will hold not aging with oak influence. Fruit from the same vineyard processed at the same time will result in very different chardonnays when split between the local providers of vegetables fruits meats fish and so on. Grape to Glass takes this concept to local vineyards highlighting the wine grape s growth and progression through harvest crush press fermentation and bottling. September could be a salute to the farmer From farm to pasture to vineyard it s all about reaping the rewards of planning diligence and hard work. Grapevines are the largest fruit crop on earth requiring a production of more than 700 grapes per wine bottle. Harvest is upon us and the season of change is in the air Summer begins to fade this time of year. Temperatures cool and some wine lovers will turn HERLIFEMAGAZINE.COM The wine will actually mature in age with oak barrels while wine in stainless barrels will hold not aging with oak influence. Fruit from the same vineyard processed at the same time will result in very different chardonnays when split between oak versus stainless steel. oak versus stainless steel. Wine lovers more sensitive to sulfides naturally occurring in wine and fermented foods and beverages might lean more toward un-oaked wines to consume lower levels of sulfides. Nevertheless sulfide management is very much part of the wine-making process regardless of the use of oak or stainless steel. Traditionally the chardonnays that win the hearts of enthusiasts possess a sense of melted butter popcorn a creaminess that is actually a byproduct of a natural chemical reaction called malolactic fermentation. Malo occurs when malic acid located in the grape must turns into the softer lactic acid in the process. This may be experienced as a subtle to strong taste of oak and may linger on the palate. It s often described as having a buttery smooth toothpick on the tongue. French oak will impart a noticeably earthy aroma whereas the American oak might render a fresh sawdust sense that affects your enjoyment of a classic wine that may also have a spicy or mineral finish. Some folks fall into the ABC category enjoying anything but chardonnay. They will look to other varietals of whites with so many other options available. Chardonnay has been both the darling a softer refined gentle and more mainstream wine and the dame a bold unique and less popular with the mainstream wine enthusiast of pairings. This dichotomy is generally due to changing winemaking trends dictating the ostensive use of oak or the increased use of stainless steel. Because each vintage in every region is ever changing the subsequent wine will also change but keep trying it. You may find what you consider gold HLM HOW TO ENJOY CHARDONNAY Use larger-bowled stemware to show off the layered complexities of fruit and oak Serve with triple-cream brie or camembert pate toasted sourdough Pour the glass only one-third full and allow the wine to swirl a bit The more oak in the wine the better it pairs with foods higher in fat. Larger-bowled stemware allows the oak to breathe and re-oxygenate lending to a fuller palate experience. A narrow glass delivers the wine to the palate in such a way that fruit and acid are tasted up front and the complexity of the oak aging process may be overlooked. HERLIFEMAGAZINE.COM 25 HERLIFE WORKING WOMEN tips and action plans for job seekers by h e a th e r n o b l e p h d C badly too. 26 ongrats You just got the call to schedule an interview and this is the position you want badly. This could be the beginning of something very big It s time to put your best You also need to have questions prepared for the interviewer who is likely to view the quantity and quality of your questions as an indirect measure of your interest in the position and the company. One of my favorite questions is What are the qualities of someone who is successful in this position The answer provides additional information that helps you decide whether this job is still one you want to pursue. putting any energy into thoughts of self-doubt. Instead assure yourself you will do the best you can to share about yourself. Ensure you are keeping a relaxed body posture and breathing regularly and deeply. Sit with confidence upright and shoulders back with alert eyes. Slumping in your chair and looking downward send the wrong message to others and even to yourself. Be the early bird. foot forward and have the interviewer want you Prepare with questions theirs and yours. What do you think the interviewer will want to know about you At least one question will address why you are interested in this particular position. Your interviewer will want to assess your genuine interest and fit with the work responsibilities and mission of the agency. So do your research to know about the company and what the job entails and then practice your response to clearly express how you and the job fit together. HERLIFEMAGAZINE.COM Do your physical and mental prep work. Put together your power outfit for interviewing. These clothes and shoes are decently comfortable they make you look good and also important they make you feel good The way you present yourself is crucial as another measure of your professionalism and attention to detail. In the time leading up to the interview give yourself a pep talk to boost your confidence. Avoid Do you know where the interview is located Map out your directions and if needed make a trial run for getting there. The last thing you need is to feel anxious right before the interview due to running late. Plus it makes a really bad impression. Leave for the interview with time to spare and arrive early. That tells the interviewer that you are serious in your commitments to others and do not let them down. When responding to questions monitor how you organize your thoughts to avoid tangents and be efficient with time. A big turn-off for an interviewer is a long irrelevant and droning response. Approach the interview as a work sample. The interviewer will be curious to know what it is like to sit with you and communicate on important issues. The interview is your first most salient example for this. Maintain a warm and engaging style while flexing to the structure and needs of the interview. If at any point you are confused about what is being asked of you don t hesitate to ask for clarification. Not answering a question could be quite harmful when you want to demonstrate a basic skill set for listening closely and following directions successfully. Be aware of your air time. When responding to questions monitor how you organize your thoughts to avoid tangents and be efficient with time. A big turn-off for an interviewer is a long irrelevant and droning response. Most questions will not require responses that are longer than a few minutes. Also if you know the length of time allowed for the total interview be mindful of your interviewer s time to not ask too many questions at the end that might over-extend their time and graciousness in meeting with you. Show how you are not a risk. The process of hiring new personnel is costly since so many resources are used. Therefore the interviewer does not want to fill the position with someone who cannot do the work or leaves quickly. In your descriptions of prior work examples and your aspirations for future opportunities demonstrate and express your commitment for being a responsible successful and dedicated employee. Do not air dirty laundry. Your last boss and co-workers may have been the dregs of humanity but this interview is not the time to discuss it. Diplomacy is essential. Recall how this interview is a work sample for you. Do not give any reason to indicate that you might be the ringleader of office gossip or speak negatively of others. Even when you might describe challenging circumstances and interactions demonstrate how you remain respectful and professional. Express gratitude. At the very end of the interview let others know you appreciate their time and you welcome further questions should they arise. There are different opinions about the specifics of thank-you notes but the prevailing wisdom is to follow up with some form of gratitude expression. Even if this interview does not lead to your next job it s always good to build your professional network with good connections. HLM HERLIFEMAGAZINE.COM 27 HERLIFE SPOTLIGHT DENVER Integrated fied in plastic surgery. PLASTIC SURGERY w ri tte n by an n e . bu t e n a s I f you are in the market for the best in breast body face and medical aesthetic procedures and treatments look no further than to the medical experts at Denver Integrated Plastic University Dr. Lee had the opportunity to work closely with the plastic surgery division on trauma and head and neck cancer patients which ultimately inspired him to become board certiAnd while his educational and professional r sum speaks volumes about his knowledge and expertise it is truly his care and concern for providing the best in care for his patients that speak volumes about his practice. To that end Dr. Lee is excited about the latest developments regarding breast implants. Dr. Lee has acquired extensive experience with the use of silicone breast implants throughout his career silicone implants have proven to realize lower rupture rates than saline implants as well as lower re-operation procedures. But there is something new on the market that is gaining a decided edge. The vast majority of the silicone implants currently used are the smooth round ones noted Dr. Lee. However we now offer textured implants which have a velvety cover on them built into the shell. Whereas the smooth ones have been known to move around in the breast pocket and become malpositioned these new textured models don t move after we initially position them in place. These implants are also slightly firmer giving the appearance of breasts similar to those of a woman in her 20s. Smooth implants have an outer shell that is smooth and shiny making them more likely to move around within a tissue membrane or sac that eventually forms around the implant also known as a capsule. Because the textured implants attach to the tissue capsule around them they are less likely to move and because they have a thicker wall than their smooth counterparts they can feel firmer and are more likely to have less folds and ripples. Dr. Lee is quick to note that not all breasts are the same however and each woman will realize different results. Overall Surgery. This full-service clinic located in Englewood is fully dedicated to ensuring each patient is given the best in care while simultaneously embracing renewed vitality inside and out. At the helm of this highly respected practice is Dr. Ben Lee who brings a wealth of experience to the table and whose primary focus is to help people look the way they want to feel. Dr. Lee s practice is regarded as one of the best in Colorado and he has performed thousands of successful procedures in the past decade that speak to his skill expertise and most of all passion for what he does. Board certified in Plastic Surgery and Otolaryngology Dr. Lee is also a Fellow of the American College of Surgeons. He earned his degree in medicine with highest honors from the University of Colorado School of Medicine in Denver and completed his surgical internship at the University of California at San Francisco. After extensive training in otolaryngology at Duke p h o t o by l i g h t b o x i m a ge s At the end of the day what truly matters to Dr. Lee besides a successful procedure is the gift to each patient of selfesteem. If I can do one simple thing such as giving my patients more confidence and pride in how they look that is a very gratifying and rewarding experience for me. 28 HERLIFEMAGAZINE.COM however in Dr. Lee s estimation the textured implants typically produce better results. These new implants are considerably more stable and we have encountered few documented cases of rotation issues stated Dr. Lee. As a result this has opened up a whole new market for implants. Dr. Lee realizes that within the United States there tends to be an idealization of how implants should appear. Most people think of rounder breasts when it comes to implants explained Dr. Lee. But that shape doesn t exist in nature. We understand that women usually desire a more natural shape and with this new type of implant we can offer that to them. And because of the advances in medical procedures today Dr. Lee can complete the breast implant procedure in about an hour and while general anesthesia is offered most patients can tolerate heavy IV sedation with local anesthesia. They simply drift off to sleep and the next thing they know they are waking up in recovery said Dr. Lee. Of course a certain amount of discomfort post-surgery is to be expected and the typical down time is three to four days. However the patient can remain relatively active during that recovery time with minimal discomfort. Further patients can enjoy these implants for years to come and live late into life with them. At the end of the day what truly matters to Dr. Lee besides a successful procedure is the gift to each patient of self-esteem. If I can do one simple thing such as giving my patients more confidence and pride in how they look that is a very gratifying and rewarding experience for me he smiled. HLM For more information on Dr. Ben Lee and Denver Integrated Plastic Surgery go online at denverintegratedplasticsurgery.com or call 303-783-9997. HERLIFE REAL ESTATE exemptions credits and grants by m a ri l y n i sa m i n ge r home ownership perks H ome ownership is part of our American dream. It s a reward for hard work frugal living and the path to a better life for our families. However it always comes with associated costs. The median property tax paid in the U.S. is approximately 2 000 or Many states offer exemptions for disabled persons and seniors some provide for refund of property taxes others for reduction of the assessed value. Read the fine print and don t assume a result. An exemption aimed at older homeowners may only defer property taxes until the property is sold. More than half of the states offer an exemption that reduces or eliminates property taxes for qualified veterans. Some states offer exemptions to all veterans others target disabled veterans. If you re a disabled veteran in almost every single jurisdiction you can petition your local taxing authority and you can have all of your local real estate taxes waived said Mike Frueh national director of the VA Home Loan program. That s a fantastic benefit. Exemptions range from partial to full exemptions disability rating and income requirements typically apply. A listing of states offering exemptions and the parameters can be found at veteransunited.com. In addition parents and surviving spouses of disabled service members may qualify for exemptions. Qualifying persons with disabilities generally must provide documented evidence of their disability and meet ownership and income requirements. Depending on the state and municipality an exemption may be as much as 50 percent of the value of the home. Again check with the local tax assessor or city clerk to verify what s available. In some states renovations on older homes may qualify or even exempt the homeowner from property taxes for a specified period. Be sure to 10 percent of the median value of a 200 000 home. Federal state and local entities provide numerous exemptions grants and programs to assist the homeowner with the costs associated with obtaining maintaining and upgrading a home. Some are simple to obtain others require waiting and paperwork but for many the time and energy invested in locating this monetary assistance is worth the effort Property Tax Exemptions The homestead exemption is the most widely known and used it reduces property taxes on your home by removing part of the value of the property from taxation. For example if your home is valued at 200 000 and you qualify for a 40 000 exemption you pay taxes on your home as if it were assessed at 160 000. If you re a first-time buyer your Realtor or closing agent should bring this to your attention. It s as simple as making application at the agency that collects your property tax they can also tell you if you qualify for additional exemptions. 30 HERLIFEMAGAZINE.COM The U.S. Department of Energy funds DSIRE a comprehensive database listing incentives that support renewables and energy efficiency in the U.S. Its state-by-state database map allows the homeowner to find grants loans rebate programs state and federal tax credits net metering programs and incentive programs that can assist with energy-efficient home upgrades. verify with the tax assessor s office before undertaking a major project or renovation because approvals may be required. Your municipality may also provide a widow s or widower s property tax exemption. In a typical state you must have been a resident of the state at the time of the spouse s death provide documentation of the death property ownership and state tax returns. Federal Energy Efficiency Tax Credits Some states exclude the value of green additions and renovation to a home from the property value yet the additional benefit of Federal tax credits can reduce your liability. The caveat is that since the federal tax code changes annually you should verify with your CPA that a targeted credit will be available for the year you make the decision to invest in improvements. Eligible home renovation items include installation of residential solarelectric systems solar thermal systems fuel cells and labor expenses. Residential wind energy installations and geothermal pumps are also eligible for the federal tax credit. Many ENERGY STAR products are eligible for a credit but do your homework first. Grants and Loans In contrast to a loan a grant doesn t have to be paid back. Grants can be time consuming to obtain but are frequently worth the effort. The U.S. Department of Energy funds DSIRE a comprehensive database listing incentives that support renewables and energy efficiency in the U.S. Its stateby-state database map allows the homeowner to find grants loans rebate programs state and federal tax credits net metering programs and incentive programs that can assist with energy-efficient home upgrades. A visit to this extremely up-to-date website dsireusa.org can pay big dividends. The U.S. Department of Housing and Urban Development and the U.S. Department of Agriculture offer special grants and programs for first-time homebuyers or purchasers in qualified areas. HUD doesn t make grants directly but works with lenders to offer grants. The USDA surprisingly offers some of the best home loans in the country. Their loan program helps families and individuals afford a house in a USDA-designated rural area and was designed to spur economic growth in these communities. These low-cost low rate insured home mortgages come with 100% guaranteed financing for those who qualify. HLM HERLIFEMAGAZINE.COM 31 HERLIFE FINANCE financial statements by m a ri l y n i sa m i n ge r developing your personal Y ou may be just out of college and beginning your career or you could be five ten or twenty years into the life goals you ve set for yourself. A necessary part of achieving what you want payments utilities groceries car payment entertainment and other budgetary items. The totals of cash in and out are netted and optimally you have a positive rather than a negative number as the result. It s essentially the same as creating a budget but here we will use this information as a stepping stone to the next crucial personal financial statement. Personal Balance Sheet The simple formula for a balance sheet is Assets - Liabilities Net Worth. Ultimately the goal is to achieve a positive net worth throughout life. Assets are any items that you own that has a monetary value. Liquid assets can easily be sold or turned into cash without losing value such as checking accounts money market accounts or savings accounts. Large assets are items such as a home vehicle antiques jewelry and household goods. Large assets should always be listed at market value if it s difficult to place a price tag on an item use a comparative price for a recently sold similar item. Investments are certificates of deposit stocks bonds mutual funds savings bonds and retirement funds more recently silver and gold have been touted as investments as well. These assets should also be listed at market value as of the date you are compiling the balance sheet. For the majority of investments you will have a monthly or quarterly statement from the financial institution to establish their value. Liabilities are financial obligations or debts owed to a company or individual. These may be a mortgage balance income taxes due property taxes car loan alimony or child support payments rental payments credit card balances student loans or similar debts. In addition a balance sheet in order to provide an accurate snapshot of your financial situation should include contingent liabilities. These are obligations that may arise if certain future in life is establishing financial security and hopefully fiscal solvency for yourself and your family. Developing personal financial statements similar to those used by businesses can tell you where you stand at any moment and can help you with budget planning. The two most useful statements are the personal cash flow statement and the balance sheet. Personal Cash Flow Statement This is a measurement of your cash in and cash out for a specific period of time. It requires you to analyze your cash inflows from all sources such as salaries dividends rental income alimony or child support payments or sales of items and cash outflows such as rent or mortgage 32 HERLIFEMAGAZINE.COM Knowing that you have a positive cash flow on your income statement gives you some liquidity and the option to apply that money to reduce a debt on your balance sheet thus increasing your net worth. events occur and may include damages from pending lawsuits disputed claims or contract disputes. If you are an endorser guarantor or co-signer on a note or obligation with another individual this debt should be included. Legally if the other individual defaults on their obligation you will be held responsible for that debt. As an aside this is a quiet reminder to avoid taking on this responsibility since you re not likely to have control of the situation once the papers are signed. To create the balance sheet list the assets and total them then list the liabilities and contingent liabilities and total them. Subtract the liabilities from the assets and that number is your net worth. Periodic Financial Health Checkup What s the purpose of gathering all this information Fiscal health and planning are prudent courses for everyone regardless of their stage in life. Your goal may be to purchase a house or condo or move to a nicer apartment complex in two to three years. Now is the time to examine your balance sheet to determine that your net worth is growing. Knowing that you have a positive cash flow on your income statement gives you some liquidity and the option to apply that money to reduce a debt on your balance sheet thus increasing your net worth. A tool used by financial analysts the debt-to-equity ratio can be extremely helpful over time to indicate that your financial health is improving. Total all the debt shown on your just-completed balance sheet and divide it by your net worth. The goal should be 80 percent or less if it s higher it s an indication that more of your income is being used to pay debt and you may be headed for trouble rather than solvency. HLM Personal financial statements particularly the balance sheet will inevitably be required at some point in your life. Now is a good time to take stock of your financial health should you need to obtain a loan or mortgage open a business that will need financing develop an estate retirement or other financial plan create strategies for minimizing income taxes identify property under a divorce or separation proceeding guarantee a loan HERLIFEMAGAZINE.COM 33 HERLIFE HOME AND DESIGN selecting the perfect coffee table Q. I am shopping for a coffee table for our family room and now I m all confused as to what works best for my space. What do I need to consider as I go shopping for this piece of furniture -- Rebecca from Golden CO A. Completing your living room space requires selecting the perfect coffee table. A coffee table must functionally do many jobs while also visually balancing the room. It s a home for everyday remotes and magazines. Then it turns into a surface for an evening of games. The next night it may become your entertaining headquarters. And it does it all while sitting right in the middle of your living room. Browse our tips for finding your perfect coffee table to fit your space function and style. Selecting a Height A great rule of thumb when selecting the height of your coffee table is to consider the height of your adjacent seating. Keeping the table and furniture at the same height will allow you to set drinks and plates down on the surface without having to first lift them up. Items should seamlessly flow from lap or resting hands to the table. One Table versus Two If you have a large seating arrangement that encompasses multiple sofas and chairs you may be inclined to opt for a large coffee table. This however Linnore Gonzales is also the owner of a full service decorating company Decor & You. Decor & You furnishes and refines residential and commercial interiors. Our designers have the power to simplify how people achieve comfort style and value in their homes and businesses. It s an ambitious goal and Decor & You delivers it right to your door photo provided by jason hayes photography 34 HERLIFEMAGAZINE.COM is not your only option. Instead look to a pair of coffee tables. The benefits Your eye won t focus on one big piece of furniture. It s rare that a designer opts for the coffee table to be the focal point anyway. Your eye will travel easily around the room creating a comfortable feeling. A tray can be used as a place to set drinks vases or any other accessories you wish to display. Select your fabric carefully as liquids are bound to be spilled at some point and feet shoes and all are often attracted to the fabric as a resting place. Tip take a swatch home and test out dirt and your favorite drinks on it to see how it will hold up. An Open Look Whether you are decorating a small space or are simply looking to create an airy feeling try glass table tops atop metal bases. These tables are also great options for showing off other interesting items in your room including your beautiful rug. Kid Friendly If you have kids or you know kids will be frequenting your home try a lip edge coffee table. It will make dealing with spills much easier. Many households who entertain often also consider a lip edge as you won t have to worry about the likes of coffee and red wine making contact with your fine rugs or carpet. A Cozy Look Perhaps you are looking for a cozier environment instead. Solid tabletops will do the trick. Add storage underneath it to ground the look further. Think baskets and trunks to fill the open spaces. Beware that solid tabletops typically have square corners. Leave a little extra space around the edges to avoid guests bruising their shins. Consider Round and Sculptural Options Round coffee tables help promote circulation throughout your living room especially when multiple seating surfaces are present. Sculptural options can also help add visual interest and warmth to your space. When you choose rounded or sculptural coffee tables you will often lose your table s functionality for select seats. If this happens make sure to provide other nearby surfaces for this person to set down his or her drink. HLM Don t Shy Away From Fabrics An upholstered coffee table provides many benefits. You can implement an accent color and they almost always instill a feeling of comfort. You will be amazed at how people are drawn to a seating area that has an upholstered coffee table or ottoman. HERLIFEMAGAZINE.COM 35 HERLIFE PETS dealing with the loss of your pet by l i n d a r. p ri c e Y 36 our dog has slowly begun to decline. She is no longer able to keep up on the long walks you both once enjoyed. Long gone are the days when she enjoyed a tug-of-war or a Frisbee being fitted for prosthetics given life-saving surgeries and offered medicine that helps their condition. Even so for many families these options may not be feasible. Costs can be prohibitive and some conditions require round-the-clock care that is impossible if everyone works. The decision to euthanize a pet rests squarely on the owner s shoulders not the vet s. While this may seem like a decision you are unwilling to make the owner must think about the pet s suffering and not their own. It is far more cruel to allow a pet to whine and moan in pain than it is to be proactive and make arrangements with your vet at the appropriate moment. The euthanasia process is painless your pet seems to sleep. You can hold the pet if you wish. The vet will discuss the disposal of the remains in accordance with local laws that govern where pets may be buried. Some vets offer cremation services. Grieving for Your Pet Losing a favorite pet is a painful process. Grief can take many forms including feelings of guilt for not doing more for the pet anger and feeling that no one understands what you are suffering. You may find that you are unable to concentrate during the first few days or weeks after the death of a pet. You may also find that the pet s tossed her way. You know the end is coming but you aren t ready yet so what do you do Most of us will begin to discuss our options with our trusted veterinarian. Since they have more experience your vet can tell you what options are available. Some dogs will go peacefully in their sleep but others may be facing a long chronic disease with debilitating pain and suffering. Many options are available now that were not several years ago. Dogs are now being HERLIFEMAGAZINE.COM Losing a favorite pet is a painful process. Grief can take many forms including feelings of guilt for not doing more for the pet anger and feeling that no one understands what you are suffering. death triggers feelings of other sad events in your life such as the death of a parent or child a divorce or even the death of another pet. Allow yourself time to heal. Take the time to go for a ride in the country visit a beach or lake read a favorite book or go to dinner with close friends. Discussing the Pet s Death with Your Children Many children grow up with their pets. The pet has always been in their lives and they are closely attached to the animal. In these cases especially it is important to keep the child informed of the pet s decline and the human desire to relieve the suffering of the animal. Explain the euthanasia process to your child in age-appropriate terms and allow her to participate in the decision-making process. When the time comes if it is age appropriate the child may participate in the euthanasia. It s a good idea to check with a child psychologist beforehand just to be sure. Memorializing the Pet There are many ways to memorialize your pet and several in which your children can participate. First of all you can use photos to build a special collage a photo album or select just one special photo that you display with other family photos. You could also have a portrait painted. The whole family can choose a tree and plant it in your yard in tribute to the pet. Many animal shelters provide a plaque or a paving stone with your pet s name on it for a small donation. When the pet dies of a particular disease you may choose to donate to a research organization working on a cure. And never forget the power of shopping. Many pet owners look for small statues that remind them of their pet. For those who like to write keep a journal about your pet. Focus on recording the pet s life story how it came to your family its favorite activities funny incidents (such as when the coffeecake disappeared from the kitchen counter) and when she gave birth to puppies. Write a poem about the pet. Engage the whole family in writing tributes to the pet. Then create a small booklet on the computer (with pictures) and have copies bound at the copy shop. Some people turn their memorials into shrines. It is probably not a good idea to focus on the death and loss of the pet. It is healthier to focus on how much you enjoyed the pet while it was alive but do not create a memorial that is a constant reminder of its death and your loss. A tribute should help you remember the love and joy the animal brought you. And when you are ready you can choose to bring more love and joy back into your family by making a home for another fur friend. HLM HERLIFEMAGAZINE.COM 37 HERLIFE TRENDSETTER BISCOTTI Based in the San Francisco Bay area Biscotti and Kate Mack have been setting new back-to-school trends since 1986. From being worn on the red carpet by young celebrities such as actress Quvenzhane Wallis and singing prot g Jackie Evancho to the school playground by young students the brand fits all girls on all occasions & Kate Mack HERLIFEMAGAZINE.COM 39 HERLIFEMAGAZINE.COM 41 HERLIFEMAGAZINE.COM 43 HERLIFE TRAVEL going solo travel safely by ste p h a n i e f o x for the freedom that traveling alone offers. Last year 72 percent of American women took a trip on their own and while women travelers say they have become more confident there are still some basic rules women can follow to stay safe and make the most of their travels. Get Educated The U.S. State Department publishes an upto-date online fact sheet detailing risks for traveling to other countries including but not limited to security and health risks. Check it out when first planning your trip and then again a few days 44 HERLIFEMAGAZINE.COM A merican women are number one in the world for traveling alone whether for business or for fun. Most say they are looking for new cultural experiences for a little me time or before you leave. Consider buying travel insurance in case you have to cancel. The State Department also offers a free Smart Travel Enrollment Program (STEP) for any American citizen. They send breaking news and can help a local embassy or your family contact you in an emergency. It s available at step. state.gov. Travel Safely It s easier and safer to travel without a lot of luggage. A smaller wheeled suitcase is all you truly need even for longer trips. Keep your passport credit cards and cash in the hotel safe. When you need to carry them wear a vest with various pockets and put each document in a different pocket or use a neck pouch or money belt. And leave the expensive jewelry and clothing at home. Know Where You Are Going Looking lost is looking vulnerable. While it might be fun to be spontaneous you should have a general schedule and let someone at home know where you are each day. Make your hotel reservation and private transfer from the airport before you leave home. In case your ride doesn t show up have the address of your hotel written down to show to taxi drivers. Save the spur-of-the-moment choices for after you get your bearings and understand the lay of the local landscape. Choose hotels with front desks and concierges and then request a room near the front desk or elevators. Keep your door and windows locked and security chain fastened. When you leave for the evening let the front desk know where you are going and when you plan to be back. Pay attention to anything that seems amiss or out of place. Trust your gut. It s better to be a little embarrassed than to be hurt. Notice your surroundings even while enjoying the scenery. Make Friends Part of the fun of travel is meeting new friends. Nevertheless be careful of whom you trust. Most people are honest but both in foreign countries and here in the USA there are people who target women travelers. Don t trust people with your money or your credit cards and don t reveal personal information such as your hotel room number. If you re invited to social events know where you are going and limit your nighttime outings to well-traveled places. Limit your intake of alcohol too which can impair your good judgment. Stay Alert Pay attention to anything that seems amiss or out of place. Trust your gut. It s better to be a little embarrassed than to be hurt. Notice your surroundings even while enjoying the scenery. In cities you can use window glass to observe reflections giving you eyes in the back of your head. Be wary of pickpockets especially when exiting public transportation. Walk on the outside of sidewalks when possible. Swing wide when walking around corners. If you get lost ask a shop owner the police or another woman for directions. Most important don t look like a target. Walk as if you own the street. Muggers and others will find someone else to bother. Defend Yourself In the rare event that you are actually physically threatened and cannot retreat to safety the best offense is a good defense. While some women are physically weaker and smaller than most attackers the element of surprise can save you. React not with fear but with anger (the two emotions are close cousins). If you re threatened take a step or two toward your attacker yell use profanity and look the attacker directly in the eye. Use your purse cell phone a set of swinging keys whatever is in your hand as a weapon. Don t be afraid of making a scene. Your safety is at stake. Have Fun Learn a few words of the local language. Knowing how to say the basics please thank you good morning and good evening and how much can help you make a good impression. Knowing how to say Where is the women s bathroom can also be very helpful. Read up on the local culture foods and the weather even if you re staying in the USA. This will keep you from using the wrong hand gesture saying the wrong thing or wearing inappropriate clothing including dressing for the wrong climate. It will also keep you from missing out on the best-kept local secrets surprise events and hidden gems. Go with a positive attitude but don t take unnecessary chances. HLM HERLIFEMAGAZINE.COM 45 HERLIFE TIE THE KNOTT Shaua& Bo by marilyn isaminger photographs by kb digital designs 46 HERLIFEMAGAZINE.COM Love Businesses That Shared in the Shana and Bo Yurko were best friends in high school and are all that and more today. Bo proposed to me while we were swing dancing on the beach at sunset smiles Shana. He took me out on a date I had no clue where we were going but I was told to wear my cowboy boots. We pulled up to Newport Beach and the sun was setting over the ocean. Bo set up a Bluetooth speaker and our GoPro in the sand and then swing danced with me to a list of our favorite country songs. During Forever Girl by John Langston he dropped down on one knee and asked me to marry him The blissful couple tied the knot on May 22 2015 in an outdoor ceremony at the gazebo at Ellis Ranch Event Center in Loveland Colorado. Shana s Maid of Honor was Eleigh Arnold and bridesmaids were Hillary Schweizer Misha McCulloch Michelle Donovan Sarah Winkler Melissa Bennett Ashley Franklin Kaitlyn Embury Amanda Madsen and Kelsey Hepp. Bo chose Austin Yurko to serve as Best Man and groomsmen were Brian Toth Zach Newnam Brandon Schroeder John Reffel Steve Silvas Jake Levin Nick Kasa Ashton Renshaw and Cody Moore. The bride was resplendent in a lovely gown with spaghetti straps lace bodice and layered tulle skirt flowing into a short train. She carried a hand-tied bouquet of roses peonies and gerbera daisies embellished with at satin ribbon and sentimental brooch. The peach hues of the bridesmaids gowns echoed their bouquets and the vests ties and boutonnieres of the groom and groomsmen. It rained the whole week leading up to the wedding. And not the nice gentle sprinkling kind of rain it was the torrential downpour kind of rain shares Shana. The day of the wedding was no exception until about a half an hour before the ceremony. It stopped raining just long enough for us to have our first look say our original vows and take family photos. Luckily mud wasn t an issue since the entire wedding party wore cowboy boots. Every single personalized detail and decoration was made by my mom Karina Barrios. Bo s mom planned an adorably perfect rehearsal dinner and both of our dads made beautiful speeches during the reception. Guests danced long into the night in celebration and joy. Shana and Bo plan a honeymoon trip to New Zealand sometime in 2016. HLM bridal gown David s Bridal bridesmaids gowns David s Bridal hair styling Jeanette Hermann House of Harlow Salon & Spa make up Adrianna Leal Radiance Airbrush photography KB Digital Designs videography By the Horns Media florist Kim Neitenbach Thorn Creek Flowers dj Donner s DJ & Karaoke caterer Heart s Desire Catering cake Anne Touzalin Vanilla Blossom Cakes venue Ellis Ranch Event Center HERLIFEMAGAZINE.COM 47 HERLIFE TIE THE KNOT Tawni and A dam by marily n is am inger p hot ogr ap hs by k b d i g i ta l d e si g n s Love Bridal Gown Amanda s Bridal and Tux Bridesmaids Gowns David s Bridal Businesses That Shared in the Hair Styling and Makeup Artist Michelle Knoebel Photography Katie Brewer KB Digital Designs Florist Missy Fisher Amizetta Fresh Flowers DJ JAMMIN DJs Ceremony Venue Rockland Community Church Caterer The Pines at Genesee Cake Das Meyer Fine Pastry Chalet Reception Venue The Pines at Genesee Tawni and Adam Albers developed a friendship that led to love during their college years. They became engaged during a family outing intended for taking Christmas card photos and were blessed to have both sets of their parents present to witness the proposal that Adam had carefully planned without Tawni s knowledge. The blissful couple tied the knot on May 16 2015 in a formal ceremony at Rockland Community Church in Genesee Colorado. Tawni chose Karlee Warren as Maid of Honor bridesmaids were Cara Albers and Sophie Allen with Teegan Warren serving as junior bridesmaid and Averee Warren as flower girl. Matthew Albers served as Best Man and groomsmen were Eric Warren and Danny Warren. The bride wore a graceful sleeveless jeweled and appliqu d gown and a sheer floor-length lace-edged veil. She carried a hand-tied bouquet of roses lilies daisies and larkspur. The groomsmen sported yellow socks that echoed their ties. The reception followed at The Pines at Genesee. The room was beautifully decorated in a country rustic theme with Mason jars containing daisies larkspur and baby s breath and the bridal bouquets as centerpieces all illuminated by candles. At each place setting was an anchor representing that all present were anchored through the Lord all of the anchors were hand made by Adam s grandfather. We were so blessed that Adam s entire family was able to come in from Florida Ohio California Wisconsin and Texas. It was the perfect dream wedding that every girl dreams of as a child. And of course the best part was that we both got to marry the person whom we consider to be our best friend each other HLM 48 HERLIFEMAGAZINE.COM 5. 16. 15 HERLIFEMAGAZINE.COM 49 HERLIFE SCENE AND BE SEEN Cherry Creek North Food and Wine O n August 8 the seventh annual Cherry Creek North Food and Wine event celebrated the diverse and sophisticated tastes of more than 20 featured restaurants of the district s finest dining establishments and wines from William Hill Estate Columbia Winery and LaMarca. Attendees were among the first to taste offerings from four new Cherry Creek North restaurants Departure Restaurant Lounge Blue Island Oyster Bar Del Frisco s Grille and Osaka Ramen. Guests indulged in all-you-can-eat tastes and bottomless drinks while enjoying a live band and a delicious night in Cherry Creek North and everyone took home a commemorative wine glass to remember the event For information about future events please visit cherrycreeknorth.com. HLM p hot os p rov i d e d by eva n se m n 50 HERLIFEMAGAZINE.COM