Women’s Independent Press

Business Exchange Networking Lunch

* Give a 1-2 minute commercial for your business.
* Bring business cards, brochures, and samples.
* Make new business contacts.

Four Dates and Locations:

June 5- Wexford, Atria’s, 12980 Perry Highway, Wexford
RSVP: email Michelle Zmijanac at
Michellezmijanac@bestpracticesdelivered.com

June 12- Mount Lebanon, Atria’s, 110 Beverly Rd, Mt. Lebanon
RSVP: email Tina Noblers at
TinaNobers@CMNNutritionGroup

June 19- Murrysville, Bella Luna Trattoria, 5060 William Penn
Hwy, Monroeville, Pa 15146
RSVP Carol@CarolBrineyWorkFromHome.com

June 26- Fox Chapel, Comfort Inn (Old Holiday Inn) in RIDC
Park, Ohara Twp
RSVP: 412-781-8773 or PlanBConsultant@comcast.net

Time: 11:30 a.m. - 1:30 p.m.
Cost: $18 (Bring cash; No-shows will be billed for the lunch)
RSVP: By Monday prior to the event

For more info, go to http://www.blxnetworking.com

The WSBA Network Lunch

A Networking Luncheon for Women Business Owners & Professionals

“Get Heard, Get Noticed, Get Leads”

A networking event open to any business woman who would like
to increase her business contacts/clientele. Our networking
format will be structured to provide participants with high
profile and networking. Bring 20-30 business cards/brochures,
cash for your lunch check, and be prepared to give a 60-second commercial about yourself.

June 5 - 1:00 p.m. - Butler
June 6 - 11:30 a.m. - Allegheny Valley
June 10 - 1:00 p.m. - Beaver County
June 12 - 11:30 a.m. - Shaler/Gibsonia
June 14 - 1:00 p.m. - Robinson/Airport
June 18 - 1:00 p.m. - East End

June 19 - 1:00 p.m. - South Hills
June 21 - 1:00 p.m. - Monroeville
June 25 - 1:00 p.m. - North Hills
June 26 - 5:15 p.m. - After Work
(Wiggle Whiskey, Smallman St.)
June 27 - 1:00 p.m. - Washington
June 28 - 12:00 p.m. - Westmoreland

Host: Women’s Small Business Association
Fee: $5 meeting fee (plus the cost of lunch)
RSVP: Required (Note: Any “Yes” RSVPs who do not show
will be charged a $20 no-show fee.)

For more info and to register online,
http://www.wsba.ws

Date: June 5, 2013
Prospecting 2.0: How to Use Social
Media to Grow Sales
For CEOs, Presidents, Senior Managers, and Sales Professionals

An overwhelming 95% of salespeople surveyed tell us they can sell, they just need to get in front of more prospects. That’s why the best prospectors often close more business than expert closers.

Please join us as sales expert Scot Teachout of Sandler Training/Peak Performance offers tools for leveraging your existing networks through social media to prompt sales opportunities.

Use social media to take control of your sales pipeline:

* Why traditional sales tactics do not work in today’s environment.
* Why you only win competitive business by competing on price.
* How to avoid falling victim to unpaid consulting.
* Networking strategies to connect with like-minded individuals.
* How To use social media to involve your customers and prospects
in ongoing meaningful interactions.
* How to use existing social networks to reach new audiences in
the exact way they choose to communicate.
* How to be seen as a thought leader in your industry.

Scott encourages open dialog, attendant participation and idea
sharing, thus the size of the group is limited.

Date: June 5, 2013
Time: 9:00 a.m. - 12:00 noon
Place: Duquesne University, 108 Rockwell Hall, 600 Forbes
Ave., Pittsburgh, PA
Host: Duquesne University Small Business Development Center
Cost: $45

Register online at:
https://sbdc.duq.edu/eventregistration?id=445

Date: June 6, 2013
Inspired Women in Business and Life
An Empowering Day of Education, Inspiration and Networking!

Laugh with luncheon MC Michelle Wright of WTAE as she shares her favorite “constructive criticisms.” Connect with an array of coaches specializing in Life, Business, Marketing, Health, Finance, and Style. Take Advantage of our Media Studio and get a Professional Headshot or 1-minute Business Video! Attend a variety of educational and inspiratioal workshop sessions.

Date: June 6, 2013
Time: 8:00 a.m. - 6:00 p.m.
Place: Four Points Sheraton, 910 Sheraton Drive, Mars, PA
Host: Team Effort Events
Cost: $95 (Includes Morning Continental Breakfast, Lunch,
Afternoon Chocolate Fix, Vendor Stroll, Inspired Woman
Award, and Martini Happy Hour by Kru Vodka)

Event Contact: Debra Dion Krischke, 724-935-6100

For more information and registration go to:
www.InspiredWomen.com

Date: June 12, 2013
Marketing Isn’t Magic, But You Are
Free practices to help you make marketing
work for you
Speaker: Nikki Watson, Account Rep, IN Community Magazines

Join us for a refreshing and uplifting take on marketing and how
you can make it work for you on a limited budget. Learn about what works, how much it should cost and what to do if the customers don’t come!
Time: 12:00 - 1:00 p.m.
Place: Volunteers of America, 1650 Main St, Sharpsburg, PA
Host: Volunteers of America of Pennsylvania
Cost: Free (Bring a brown bag lunch)
To register, call 412.782.5344 (x209) or email
volunteersofamerica@voapa.org

Brown Bag Lunch
Wednesday, June 12, 2013
12:00 – 1:00pm

Speaker: Nikki Watson, Account Representative, IN Community Magazines
Title: Marketing Isn’t Magic, But You Are: Free practices to help you make marketing work for you
Join us for a refreshing and uplifting take on marketing and how you can make it work for you on a limited budget. Learn about what works, how much it should cost and what to do if the customers don’t come!

Volunteers of America of Pennsylvania
1650 Main Street
Pittsburgh, PA 15215
FREE
RSVP: 412.782.5344 x 209 or volunteersofamerica@voapa.org

Women Business Leaders Breakfast Series
Friday, June 14, 2013
7:30 - 9:00am
Venue: James Laughlin Music Hall, Chatham University
Cost: $25.00 per breakfast
Online register: http://www.chatham.edu/cwe/events/wblbseries/index.cfm

Topic: “Mompreneurs: Changing the Way Business is Done Using Social Media”
Speakers: - Rachel Blaufeld - Freelance Lifestyle Writer, Blogger, Social Media
- Deborah Gilboa- MD, International Parenting Speaker and Writer, Founder of AskDoctorG.com
- Kiya Tomlin - Founder and owner, KIYA Tomlin, Pittsburgh LLC

Date: June 13, 2013
Wellness Expo

You’re invited to a free Wellness Expo designed to appeal both to employees interested in leading a healthy lifestyle and managers who are charged with developing wellness programs for their companies. The Wellness Expo will be held before the Healthiest Employers in Western Pennsylvania awards presentation. And if you’re really interested in workplace wellness programs, purchase a reservation for the luncheon after the Wellness Expo.

You’ll learn more about how companies are encouraging employees to lead healthy lifestyles. We’ll honor 38 companies for their efforts to keep their employees healthy.
Position your company as a leader in health and wellness products and services in the Pittsburgh region. Exhibitors will receive exposure to hundreds of business professionals and business owners. Reach decision makers across industries interested in health and wellness.

Exhibitor information is available now by contacting Kelli
Komondor at kkomondor@bizjournals.com.

Time: 10:30 AM - 1:30 PM
Place: Omni William Penn Hotel, 530 William Penn Place,
Pittsburgh, PA 15219
Host: Pittsburgh Business Times, UPMC Health Plan
Cost: No charge (Exhibitor packages starting at $395)
RSVP: Suggested by June 7th

RSVP/Info: Kelli Komondor, 412-208-3845,
kkomondor@bizjournals.com

Register online at:
http://www.bizjournals.com/pittsburgh/event/79381

Date: June 18, 2013
BizMix Networking Event

Join the Pittsburgh Business Times and their partners to mix,
mingle and network with Pittsburgh professionals at BizMix, an
evening networking event presented by the Business Times. This is also a great opportunity to meet and visit with Business Times
editors, reporters and staff in an informal setting. Bring your
business cards and get ready to make new acquaintances. Most of this open-house style event will be informal networking.

The event will be held at Latitude 40, ann award-winning,
65,000 square foot, two level restaurant/entertainment complex
located in Robinson Pointe that includes the 360 Grille, luxury
bowling lanes, an interactive game room, the Axis Bar & Stage,
live music and comedy every weekend, a live performance theater, an outdoor patio and later this year, the Cinegrille, a dine-in movie theater.

Want to showcase your product or service at BizMix? There are a limited number of display tables available for this event.
Please contact Dena Trusiak at 412-208-3814 or
dtrusiak@bizjournals.com for information and pricing.

Date: June 18, 2013
Time: 5:30 p.m. - 7:30 p.m.
Place: Latitude 40, 200 Quinn Drive, Pittsburgh PA 15275
Hosts: Pittsburgh Business Times and Visit Pittsburgh
Cost: $31.50-Business Times Subscribers; $35-Others
(Include hors d’oeuvres and drinks, Advance payment required)
RSVP: Early registration encouraged (Limited Space)

For questions or additional information, contact Kelli Komondor at 412-208-3845 or kkomondor@bizjournals.com
Register online at:
http://pittsburgh.bizjournals.com/pittsburgh/event

Shadyside Business Networking Happy Hour 6/19 6-9 PM
“NetworkOut is holding a business networking happy hour event at the Steel Cactus on Walnut Street in Shadyside on June 19 from 6-9 PM. The event promises to be a great opportunity to network, exchange ideas and collect leads with other professionals from the area. Admission is $10 with RSVP if paid online in advance or $15 at the door. For more information and to RSVP visit: http://networkoutevents.com/shadyside-b2b-networking-happy-hour/  Can’t make this event? Sign up for our mailing list to be informed about future events at: http://eepurl.com/vwMGz  We hope to see you at the event June 19th. Join our LinkedIn group at: http://www.linkedin.com/groups/NetworkOut-Pittsburgh-Business-Networking-4850726/about

Disability Resource Breakfast
Thursday, June 20, 2013
8:30 – 9:30 AM

Speaker: Cindy Moore, Pittsburgh Food Bank
Topic: Eat Well on a Tight Budget
Work takes energy. Learn how you can access the food you need when you find yourself between jobs, when you are working a low wage job, or when you are starting a business and need to make ends meet. Join us to understand how to qualify for resources from the Food Bank.

Volunteers of America of Pennsylvania
1650 Main Street
Pittsburgh, PA 15215
FREE
RSVP: 412.782.5344 x 209 or volunteersofamerica@voapa.org

June 20, 2013
Entrepreneurial Thursday Networking Event

A casual weekly networking event for those interested in what’s
innovative and positive in Pittsburgh. A jazz, soul & blues happy
hour show plus open-mike interviews with local executives.

Date: June 20, 2013
Time: 5:30 - 8 p.m.
Place: Little E’s, 949 Liberty Ave, Pittsburgh
Host: Jessica Lee
Cost: $5 (hors d’ouevres included)

For further info, email smarshall@pghgateways.org.

The Entrepreneurial Thursday networking event is held each Thursday evening. For information on upcoming events and featured themes, visit http://www.entrepreneurialthursdays.com

June 21, 2013
Women’s Power Lunch
Come be a part of the longest running networking luncheon in the Pittsburgh area. Bring 50 business cards or brochures to hand out and be prepared to give a short presentation on your business to introduce yourself to other business women and professionals.

Date: June 21, 2013
Time: 1:00 p.m. - 3:00 p.m.
Place: To be announced
Cost: $22.00 (Prepayment required)
RSVP: By June 19th

Questions: Contact Suzanne at Suzanne@womenspowerlunch.com
or 412-389-3420.
Register online at: http://www.womenspowerlunch.com

Business Growth Expo

Join the Pittsburgh Business Times and hundreds of local business professionals for our fourth annual Business Growth Expo. This business-building event will include expert local speakers, a business tradeshow and plenty of time for networking. Spend the day meeting fellow business executives, gaining valuable business-building information and getting motivated to increase and improve your business.

This year’s expo has a top-rated lineup of speakers who will
provide business-building information on sales and marketing,
goal setting, management, social media and much more.

Date: June 26, 2013
Time: 11:00 a.m. - 6:00 p.m.
Place: Westin Convention Center Hotel, 1000 Penn Ave, Pittsburgh
Hosts: Pittsburgh Business Times
Cost: Regular Ticket - $15 (includes speakers & tradeshow)
V.I.P. Ticket - $55 (includes speakers, tradeshow,
luncheon & keynote speech)
RSVP: Required
Questions: Contact Kelli Komondor at 412-208-3845 or
kkomondor@bizjournals.com.

For complete info and to register, visit:
http://www.bizjournals.com/pittsburgh/special/2013/bge2013/bgepghtickets

Date: Thursday, June 20, 2013
Time: 6:00 – 7:00pm
Cost: Free
Location: Carnegie Borough Municipal Building

Self-Defense for Seniors
Presented by David Holzer, Master of Shugo
Self-defense for seniors is NOT about the ways to body-slam someone to the pavement - far from it.
Instead, self-defense (or protection) starts with awareness of surroundings, a fearless presence, and an understanding of your capabilities.
In this session you will learn:

Simple steps to help you stay safe and out of Harm’s WayWITHOUT lifting a finger!
How to establish a presence and an Aura of Confidence that keeps Attackers at bay, and second guessing their actions with you
The secret Art of Deception And Disruption to fend off attackers If,
God-forbid, someone does enter your personal space
And much more!

About David Holzer:Born and raised in the South Hills of Pittsburgh, David has been training in the martial arts steadily for the past twenty-eight years. His interest in the martial arts has lead him to explore numerous combative arts across the globe and with many teachers. From boxing to kali, wing-chun to budo tailjustu, David has a very unique, eclectic view of the marital arts and shares his methodology with his students. David emphasizes the concept of “Shugo” which means protection and he is the founder of the Pittsburgh Combat Club - an all reality, all the time system of self-defense. “We do not train for sport or for exercise. We train so that we can, if called upon, defend ourselves, our family and/or those in need when under personal attack.” His objective is to truly teach others how to effectively protect themselves when confronted by an attacker.

Date: Thursday, June 20, 2013
Time: 6:00 – 7:00pm
Cost: Free
Location: Carnegie Borough Municipal Building

One Veterans Way

Carnegie, PA 15106

For more information or to register:
Email: info@singlestepsstrategies.com
Web: www.singlestepsstrategis.com
Phone: 412-341-2888
Space is limited. Register now.

By Anne Fleming
www.women-drivers.com

On an average, the price of car drops by as much 30%-40% in the very first year since its purchase. While this means bad news for people looking to sell their cars, it is quite the contrary for prospective buyers of used cars. By buying a used car, you will save money not only on the cost of the car but also on the insurance. Having said as much, looking for a used car is no child’s play as there are a number of factors that need to be considered. As a buyer, you will need to do your homework before and during the actual process of buying a used car.

Here is a step by step guide for buying a used car:

1. Choose the car you want according to your budget
Before you even start searching for a car, you must have a clear idea of a few things including your priorities, your expectation from a car and your budget. Be very sure of what you are looking for in a car – are your demands purely utilitarian or are you considering additional features or appearance etc. Depending on such concerns, narrow down your choice to 2-3 cars. At times, you might need to make some compromises according to your budget. It is important to understand that the most popular cars are usually more expensive than others which might offer the very same features. If you are willing to consider different options, you might find a better deal for yourself.

2. Gather information about the used car
Once you have narrowed down your options, you must try and gather all the information you can including details about warranty, safety and standard features. Also look for photos and reviews. You can use online resources like ISeeCars’s review section to get a compilation of professional reviews. It is imperative that you run a history check on the used car you want to buy. Using the VIN or the Vehicle Identification Number of the car, you can access complete vehicle history reports through websites like AutoCheck.com. In some cases, people roll back the odometer rating through a process known as clocking to impress prospective buyers. Alternatively, some cars are written off by insurance companies and people try to sell these off by getting some superficial repairs. A vehicle history check will alert you of any suspicious activities.
A vehicle history check becomes all the more relevant if you are buying an uncertified used car without any warranty provided by the original manufacturer. A certified used car, on the other hand, is deemed fit for sale by the manufacturers themselves and sometimes, it even comes with factory warranty. Finally, check the car for any signs of visible damage and be sure to take a lengthy test drive, to insure you are comfortable with all aspects of driving the car. Even ask family or friends to join you in the test drive; it’s that important!

3. Get the documents in order
Buying a used car involves a lot of paperwork, right from inspecting the original certificates to making new ones to indicate transfer of ownership. To begin with, you must ensure that the car is completely debt free by checking all documents related to financing. After this has been done, you will have to sign documents stating the transfer of ownership and the registration of the car in a new state or province, if necessary. As the golden rule goes, never drive a car without proper insurance. Soon after the transfer has been completed, a representative from an insurance agency will contact you regarding the car’s insurance. He or she will offer a variety of extended warranty options and you can choose according to your needs. Finally, a contract will be prepared which will contain details including the cost of the car, the registration fee, the license fee etc. Read through this document carefully before you sign it. This should be the final step before you get to hit the road with your new car.

4. Drive home in your ‘New-Used’ Vehicle!

www.score.org

An advisory board is an informal group. This is not a board of directors. It is a group of mentors. The group has no financial interest in your firm. This is a group of outside advisors who share their knowledge to help you be more competitive, think strategically and offer specific advice in key skill areas.

First and foremost do NOT accept any member to an advisory board who is unwilling to sign a non-disclosure agreement and a non-compete agreement. Make it formal and clear in writing that these are confidential meetings.

The benefits of an advisory board include: setting aside time to think strategically, obtain feedback and insights from outside the company, and gather information and expertise from peers who have knowledge in different areas than your own.
In general, a three to five person board will likely meet your needs.

Advisory Board Attributes:

• Objective and honest.
• Knowledge and expertise outside your skill set.
• A genuine interest in helping you and your business succeed.
• Problem solvers who are good communicators.
• Diverse in skills, work and life backgrounds.
• Top or well-respected individuals in their field.
• Well-connected with networks that might be leveraged to assist you.

Legalities/Ground Rules:

• Require a non-disclosure and non-compete agreement.
• Set expectations for the time commitment you expect & duration of appointment.
• Provide a written invitation letter and spell out if there is an honorarium or not.
• Let each member know the specific type of assistance you hope to gain from him/her.
• Always provide a meeting agenda. This is your elite advisory team. Respect their time.
• Say thank you. This is mostly an honorary role. Express appreciation.

Advisory Board Value:
• Identify the result you want from engaging an advisory board.
• Ask yourself, how will my business be different in one year, because of this board?
• Think about the questions you want to ask your advisors. Prepare in advance of meetings.
• How often do I plan to rotate members? Is this ongoing or just a one-time board?

For more advice on how to succeed, www.score.org
online or Find a SCORE chapter near you.

www.womenforahealthyenvironment.org

How healthy is the air around you? Much of your overall health
can be improved by simply breathing better air and there are many
small things that you can do to help increase your air quality. Studies have shown that indoor air has higher levels of toxins and pollutants than outdoor air. Factors that contribute to poor indoor air quality include:

1. Poor ventilation – a major problem and said to cause half of all indoor air problems
2. Toxic fumes – emitted from products found around the home

The Environmental Protection Agency (EPA) states that “volatile organic compounds (VOCs) are emitted as gases from certain solids or liquids. VOCs include a variety of chemicals, some of which may have short- and long-term adverse health effects.” EPA further indicates that concentrations of many VOCs are consistently higher indoors (up to ten times higher) than outdoors. Products that contain VOCs include: paints, paint strippers, and other solvents; wood preservatives; aerosol sprays; cleansers and disinfectants; moth repellents and air fresheners; stored fuels and automotive products; hobby supplies; dry-cleaned clothing.
• What You Can Do to promote a healthy home:
• Open a window to help to reduce indoor toxins in the air and run exhaust fans in the bathroom and kitchen
• Choose non-volatile organic compound (VOC) paints, stains and adhesives
• Eliminate smoking in the home
• Change your furnace/air conditioner filters every three months and vacuum carpets regularly (use a high efficiency particulate air (HEPA) vacuum for a cleaner environment
• Purchase natural flooring and non-toxic wool carpets, allow newly purchased carpets to air before installation
• Select natural wood furniture – particle board or pressed wood products are known to contain formaldehyde
• Use natural cleaning products
• Check that combustion appliances such as stoves, fireplaces, furnaces are vented to the outside
• Avoid air fresheners and candles, instead opt for safer alternatives including fresh/dried flowers; spices such as cinnamon, clove, or orange; and essential oils such as lemon, eucalyptus, clary sage and rose
• Test for radon, asbestos and lead and install a carbon monoxide detector
• Add houseplants to decrease the amount of pollutants in the air and absorb harmful gases

For More Information
http://www.epa.gov/iaq/is-imprv.html
http://www.charityguide.org/volunteer/fewhours/indoor-air-quality.htm

www.sba.org
by Marie Johns, SBA Deputy Administrator

Federal contracting with small businesses is a win-win. Every year, the U.S. government awards nearly $100 billion in federal contracts to small businesses, allowing these businesses to grow their revenues and create jobs right here at home. Meanwhile, the federal government gets the chance to work with some of the most responsive, innovative and nimble companies in the United States.

During the first three years of the Obama Administration, the federal government awarded $286.3 billion in federal contract dollars to small businesses—a $32 billion increase over the three preceding years, even as contracting spending overall has declined across the federal government.

Across the board, the Obama Administration and U.S. Small Business Administration (SBA) are committed to providing access and removing barriers for small, minority, women-owned, and disadvantaged businesses by changing the process and the culture surrounding federal contracting.

We’re proud of our achievements so far in implementing the Woman Owned Small Business Federal Contract Program and we are making strides in bringing more women-owned firms into the federal government’s supply chain.

Today, I had the opportunity to announce our latest efforts to engage women-owned small businesses in the federal procurement process at the Women-Owned Small Business (WOSB) Opportunity Forum Luncheon presented by SBA, Women Impacting Public Policy (WIPP), and American Express OPEN, here in Washington, D.C.

The ChallengeHER Campaign is an exciting new initiative that leverages the resources of SBA, WIPP, and American Express OPEN to promote the Women-Owned Small Business Federal Contract Program and bring more women-owned firms into the federal government’s supply chain.

In the coming months, we’ll be hosting ChallengeHER events across the country to help women business owners better understand the procurement opportunities available from the federal government, including events in:

•Phoenix, AZ;
•Seattle, WA;
•New Orleans, LA;
•Denver, CO;
•Atlanta, GA;
•San Francisco, CA; and,
•New York, NY.
At these events, we’ll also be playing “matchmaker”—connecting women-owned small businesses with the decision-makers and contract opportunities housed by our federal partners, both at the national level and in their local communities. And by increasing our family of women-owned small businesses, government contracting officers will have a broader base to consider when making their purchasing decisions.

We’ll also be training women-owned small businesses on how to register in our System for Award Management, which serves as our government contracting portal for all small business owners that want to do business with the federal government, and learn about eligibility requirements for the Women-Owned Small Business Federal Contract Program, which allows contract set asides for women-owned small businesses in certain industries.

A robust supply chain of innovative small businesses makes our country more globally competitive, encourages more corporations to bring production back to the U.S., and helps create jobs here at home. Our goal, and the goal of the ChallengeHER Campaign, is to ensure that women-owned small businesses across the country have the access and opportunity they need to succeed.

Stay tuned for further information on the ChallengeHER Campaign and events near you.

About the Author
Marie Johns is Deputy Administrator of the U.S. Small Business Administration. She is responsible for management and oversight of the agency, and leads the agency’s efforts to reach underserved communities

By Patricia Thibault
Social Security Manager in Pittsburgh, PA

Every day of the year, Americans across the nation remember friends and family members who have served and sacrificed for their country.

Memorial Day is a day when we all come together to honor those who have given their lives in the defense of freedom and the principles we hold dear in this country.

May is also National Military Appreciation Month. As we observe Memorial Day and Military Appreciation Month, we would like to let members of our military know how much we value what they do for our nation. At Social Security, we offer a wide range of services for our service members.

Families of fallen military heroes may be eligible for Social Security survivors benefits. Learn more about Social Security survivors benefits at www.socialsecurity.gov/pgm/survivors.htm

For service members who return home with injuries, Social Security is here to help. Visit our Wounded Warriors website. You can find it at www.socialsecurity.gov/woundedwarriors. We use an expedited process for military service members who become disabled while on active military service, regardless of where the disability occurs.
The Wounded Warriors website answers a number of commonly asked questions, and shares other useful information about disability benefits, including how veterans can receive expedited processing of disability claims. It is important to note that benefits available through Social Security are different than those from the Department of Veterans Affairs and require a separate application.

Even active duty military who continue to receive pay while in a hospital or on medical leave should consider applying for disability benefits if they are unable to work due to a disabling condition. Active duty status and receipt of military pay does not necessarily prevent payment of Social Security disability benefits. Receipt of military payments should never stop someone from applying for disability benefits from Social Security.

If you’ve served in the Armed Forces and you’re planning your retirement, you’ll want to read our publication, Military Service and Social Security at www.socialsecurity.gov/pubs/10017.pdf

You also may want to visit the Military Service page of our Retirement Planner, available at www.socialsecurity.gov/retire2/veterans.htm

At Social Security, we honor all those who served in the military and we remember those who died for their country.

ByNancy J. Wintner, APR

Looking to attract new clients? Wondering how to be different so prospects buy from you rather than your competition?
Most businesses struggle daily with these questions. That’s why I’m going to reveal a simple, yet powerful secret to attracting new clients: give prospects the information they want.

You’re probably thinking, “I do this every day and have a list of satisfied clients to prove it.” Yet, despite a successful track record, you’re still not attracting many new clients. Could it be that your marketing addresses what you think is important rather than what prospects want?
Many companies focus on self-promotion stressing the features and methodologies of their offerings. As a busy decision maker, will this entice you to change the status quo? Or, is your bottom line, what’s in it for me?

Consider this. When a new client comes aboard, you put his/her interests first. You work hard to provide quality service and products to ensure customer satisfaction. Consequently, repeat business rolls in the door. Apply this client-centric philosophy to prospecting and you’ll stand out from the competition. Believe it or not, most businesses don’t put prospects’ interests first and wonder why their marketing fails.

Ready to attract more clients? Here are nine tips to growing a more profitable business in 2013:

1.Understand Your Target Market. Who is your ideal client? How do you find this individual? What motivates this person to buy? Correct and effective targeting is the most important element to attracting new clients.

2.Create a Compelling Message. In this age of information overload, you must immediately stop prospects in their tracks. Wow overburdened decision makers with a memorable message that speaks their language, targets their specific audience and addresses prospects’ needs.

3.Make Prospects #1 in All Marketing Endeavors. This includes ads, letters, websites, marketing materials, networking, conversations, even business cards. Demonstrate that you understand prospects’ challenges and unveil your solution(s) to their obstacles.

4.Demonstrate Value. Prospects won’t change unless they understand your value and how it’s significantly better than their status quo. Instead of self-promotion, show how you can improve customers’ lives and make a difference.

5.Educate Prospects, Don’t Sell. Prospects run when they sense a sales pitch is coming. An education-based approach builds trust, credibility and relationships. Helpful information, not hype, will attract new clients.

6.Give Prospects A Reason to Buy Today. Explain the consequences of waiting. Prospects don’t buy because they understand. They buy because they feel understood.

7.Showcase A Proven Track Record. Use testimonials and case studies to attract your ideal client. These are more credible than self-promotion and prove you grasp prospects’ issues.

8.Create and Initiate Referral Plans. Understand referrals from the clients’ point of view. Educate and motivate clients to become raving fans.

9.Create memorable experiences to exceed clients’ expectations.

Is Your Marketing Plan Working? If not, put prospects’ interests first and you’ll see results. A carefully calculated plan can boost sales and increase profits.
Ready to triumph over your competition? Put these tips into action, and prospects will reward you with their business.

Nancy J. Wintner, APR, Owner, GWN Consultants Marketing & Public Relations, specializes in helping companies attract new clients. Contact Nancy at 412-681-9314 or Nancy@gwnconsultants.com
www.gwnconsultants.com

Save the date

Women Business Leaders Breakfast Series
Friday, June 14, 2013
7:30 - 9:00am
Venue: James Laughlin Music Hall, Chatham University
Cost: $25.00 per breakfast
Online register: http://www.chatham.edu/cwe/events/wblbseries/index.cfm

Topic: “Mompreneurs: Changing the Way Business is Done Using Social Media”
Speakers: - Rachel Blaufeld - Freelance Lifestyle Writer, Blogger, Social Media
- Deborah Gilboa- MD, International Parenting Speaker and Writer, Founder of AskDoctorG.com
- Kiya Tomlin - Founder and owner, KIYA Tomlin, Pittsburgh LLC

May 1 - Wexford, Atria’s, 12980 Perry Highway, Wexford
RSVP: email Michelle Zmijanac at
Michellezmijanac@bestpracticesdelivered.com

May 8- Mount Lebanon, Atria’s, 110 Beverly Road, Mt. Lebanon
RSVP: email Tina Noblers at TinaNobers@CMNNutritionGroup

May 15- Murrysville, Bella Luna Trattoria, 5060 William Penn Hwy,
Monroeville, Pa 15146
RSVP Carol@CarolBrineyWorkFromHome.com
May 22- Fox Chapel, Comfort Inn (Old Holiday Inn) in RIDC Park,
Ohara Twp
RSVP: 412-781-8773 or PlanBConsultant@comcast.net

Time: 11:30 a.m. - 1:30 p.m.
Cost: $18 (Bring cash; No-shows will be billed for the lunch)
RSVP: By Monday prior to the event
For more info, go to: http://clicks.aweber.com/y/ct/?l=4gu7_&m=I.A8W8wHuuZhGz&b=tHOKk..1xQKrQQUvz5qflg.

May 3rd – Rotary Sunrise Golf Classic benefitting VOICE – The
local domestic violence agency in Butler County. Contact
vconrad@pinnaclestrategies.org

May 4

FREE Workshop
Saturday, May 4th
9:00 AM Registration and Continental Breakfast
Sheraton Station Square
Featured Speaker:
Lynne Hayes-Freeland
Reservations can be made by calling 1-800-345-3655
or online at MortgagesForMothers.com.

Brown Bag Lunch
Wednesday, May 8, 2013
12:00 – 1:00pm

Speaker: Katherine Heart, M.Ed., Heart Resources LLC
Topic: Is There a Grant for That?

There is often confusion and misunderstandings about what funds may be available for entrepreneurs with or without disabilities to start-up and fund their business. We will define and discuss the differences between a grant, contract and loan, as well as what personal and local resources may be available for bootstrapping your self-employment plan.

Volunteers of America of Pennsylvania
1650 Main Street
Pittsburgh, PA 15215
FREE
RSVP: 412.782.5344 x 209 or volunteersofamerica@voapa.org

Join us for the 15th Annual Entrepreneur’s Growth Conference
When: May 10, 2013
Where: Duquesne University, Union Building, Pittsburgh PA
Duquesne University Small Business Development Center
108 Rockwell Hall
600 Forbes Ave
Pittsburgh, PA 15282-0103
Phone: (412) 396-6233
Fax: (412) 396-5884
Email: duqsbdc@duq.edu
Monday through Friday 8:30AM to 5:00 PM

Please join us for a special cocktail hour event featuring food and beverages, networking, a survivor story, awards presentation, silent auction and an opportunity to shop virtually for
the women and children of WC&S.
Wednesday, May 8, 2013 Rivers Club
301 Grant Street, One Oxford Centre Suite 411
5:00 p.m. – 7:30 p.m.
WQED’s Tonia Caruso will emcee a brief awards presentation at 6:00 p.m.
•Ted Craig Humanitarian Award Winner Michelle Mejia, Director of Community Relations, Pittsburgh Pirates
For more information or to purchase tickets, visit www.wcspittsburgh.org/springclothesout or call
412-687-8017 ext. 350

Date: May 9, 2013
Entrepreneurial Thursday Networking Event

Featured Theme:
Commercializing New Technologies - Successes and Failures

A casual weekly networking event for those interested in what’s
innovative and positive in Pittsburgh. A jazz, soul & blues happy
hour show plus open-mike interviews with local executives.

Date: May 9, 2013
Time: 5:30 - 8 p.m.
Place: Little E’s, 949 Liberty Ave, Pittsburgh
Host: Jessica Lee
Cost: $5 (hors d’ouevres included)
For further info, email smarshall@pghgateways.org.
The Entrepreneurial Thursday networking event is held each Thursday evening. For information on upcoming events and featured themes, visit http://clicks.aweber.com/y/ct/?l=4gu7_&m=I.A8W8wHuuZhGz&b=Yksk0w6kcxKKCpXn4YBcUQ.

May 10, 2013
Entrepreneur’s Growth Conference
Keynote Speaker:
Will Knecht, Wendell August Forge

Discover ideas that can transform your business. Choose from 15
expert-led workshops on the hottest topics in business today.
Workshops on strategic planning, management, finance, marketing,
starting a business, and more. A business building trade show
featuring more than 50 support organizations. Unparalleled
networking opportunities with entrepreneurial veterans, top
service providers and the region’s most promising entrepreneurs.

Date: May 10, 2013
Time: 8:00 a.m. - 4:30 p.m.
Place: Duquesne University, 600 Forbes Ave., Pittsburgh
Host: Duquesne University Small Business Development Center
Cost: Full Day-$119
Afternoon Only (including lunch)-$79;
Lunch & Keynote Only-$50
Full day fee includes continental breakfast, discount parking,
luncheon, workshops & business-building trade show.
RSVP: Required to receive advance price.

Questions: Call 412-396-1633.
Register online at:
http://clicks.aweber.com/y/ct/?l=4gu7_&m=I.A8W8wHuuZhGz&b=_jwMSWWIqr0Ad5MGxKlinw

Friday, May 10,
BRENTWOOD BALDWIN WHITEHALL CHAMBER OF COMMERCE
WOMEN’S NETWORKING LUNCHEON

Change of Venue
The monthly luncheon meeting of the Women’s Networking of the Brentwood Baldwin Whitehall Chamber of Commerce will meet on
Steel Center Area Vocational Technical School,
565 Lewis Run Road, Jefferson Hills, PA 15025
Buffet Lunch to be served at 11:30 AM

We have had many requests to once again visit Steel Center Area Vo Tech. In addition to lunch, we have the option of having a spa service performed by the cosmetology department.
To enter the school, drive to the very top of the hill and enter at the back of the building.

Parking is available in front of the main entrance (rear of the building). There is a new security entrance so everyone will have to use the call button on the far right of the entrance. Students from both Baldwin and Brentwood attend classes at the school. The food service class will be preparing lunch. Lunch will be served at 11:30.

Ladies can schedule appointments between 8:00-9:30 and 12:15 and 1:30. (See the attached price list.) Please schedule with the instructor, Sandy Knight, at 412-469-3200, x2522. Most services take 1 hour of time to complete. The cosmetology department can handle 3 pedicures, 6 manicures, and 6 facials during the afternoon session. Also the baked goods and meat departments will be open.

Lunch for day is $15
For Lunch Reservations, please email
Mary Dilla at secretary@bbwchamber.com.
Please make your reservations by May 6.

May 11th – Animal Intuitive Renee Takacs teaches you how to
communicate with your beloved pets! www.intuitguide.com

May 15, 2013
Business for Breakfast Networking Event

Featured Presentation:

Lead Your Relationships: Generate More Referrals from Your Clients
Presented by Michelle R. Donovan,
Owner of the Referral Institute of Western Pennsylvania

Are you getting enough referrals from your clients? If you would
like to get more and better quality referrals from your clients,
you don’t want to miss this session. Take away the answer AND
solution to why your clients don’t refer you. This one session
will change the way you view your clients and will help you make
more money by teaching you how to lead your client relationships
to generate referrals on a consistent basis.

Date: May 15, 2013
Time: 8:00 - 9:30 a.m.
Place: Cefalo’s Banquet & Event Center
428 Washington Avenue Carnegie PA 15106
Host: Pittsburgh Business Times
Cost: $25 (includes continental breakfast)
RSVP: Suggested by May 10th
Register online at:
http://clicks.aweber.com/y/ct/?l=4gu7_&m=I.A8W8wHuuZhGz&b=olQV_uL8fkATrwYVd1w8hQ
For more info, contact Kelli Komondor at 412-208-3845 or
komondor@bizjournals.com.

Disability Resource Breakfast
Thursday, May 16, 2013

8:30 – 9:30 AM

Speaker: TIffany Huff, CareerLink, Center & Operations Manager
Topic: CareerLink offers resources for small business development

Join us to learn how CareerLink’s website resources for job seekers and their resources for business growth overlap and work together to create and support employment options.

Volunteers of America of Pennsylvania
1650 Main Street
Pittsburgh, PA 15215
FREE
RSVP: 412.782.5344 x 209 or volunteersofamerica@voapa.org

May 17, 2013
Women’s Power Lunch

Come be a part of the longest running networking luncheon in the
Pittsburgh area. Bring 50 business cards or brochures to hand
out and be prepared to give a short presentation on your business
to introduce yourself to other business women and professionals.

Date: May 17, 2013
Time: 1:00 p.m. - 3:00 p.m.
Place: Penn Brewery, 800 Vinial Street, Pittsburgh, PA 15212
Cost: $22.00 (Prepayment required)
RSVP: By May 15th
Questions: Contact Suzanne at Suzanne@womenspowerlunch.com
or 412-389-3420.
Register online at: http://clicks.aweber.com/y/ct/?l=4gu7_&m=I.A8W8wHuuZhGz&b=bWsZILa35ov2ZpOawxfe3w

May 17th – Cocktails and Cuisine for www.CrisisCenterNorth.org

May 23, 2013
SWING into The Power of Golf

Speaker: Missie Berteotti
Would you like to learn more about how the power of golf can drive
your business? Would you like to improve your golf swing?
Join us at the May Clever Connections Lunch & Workshop with Pro
Golfer Missie Berteotti. Originally from Pittsburgh, Missie
attended the University of Miami where she led her college team
to the NCAA Championships. After graduation Missie toured with
the LPGA for 14 seasons. Currently she is a golf coach and
instructor and teaches Mental Mastery Programs to young athletes.

Missie will be teaching us the basics of golf-so that you can have
a credible conversation with your clients, or even attend a golf
event without feeling lost. For those of you who already play,
Missie will share some tips on how to improve your golf swing.

Date: May 23, 2013
Time: 1:00 p.m. - 3:00 p.m.
Place: The Club at Nevillewood
Sponsor: Pittsburgh Professional Women
Cost: Members- $39; Non-members- $49 (Add $6 after May 15)
Includes lunch.
RSVP: Suggested by May 17
To register, visit http://clicks.aweber.com/y/ct/?l=4gu7_&m=I.A8W8wHuuZhGz&b=.Z7CkJa3Y4rhW20quw_IhQ.

WSBA Network Lunch - Butler, Wednesday, May 1, 2013, 1:00 PM
Serventi’s Restaurant and Lounge 438 S Chestnut St, Butler, PA

WSBA Network Lunch - Allegheny Valley, Thursday, May 2, 2013, 11:30 AM
Evolution Grille, 123 Mulone Drive, Sarver, PA

WSBA Network Lunch - Shaler/Gibsonia, Wednesday, May 8, 2013, 11:30
Max & Erma’s Restaurant 5150 William Flynn Highway, Gibsonia, PA

WSBA Network Lunch - Robinson/Airport, Friday, May 10, 2013, 1:00 PM
Jacksons Restaurant @ Doubletree Hotel, 8402 University Blvd., Coraopolis, PA

WSBA Network Lunch - Beaver County, Monday, May 13, 2013, 1:00 PM
Rainaldi’s, 201 Fairview Drive, Monaca, PA

WSBA Network Lunch - South Hills, Wednesday, May 15, 2013, 1:00 PM
Getaway Cafe, 3049 Sussex Ave, Pittsburgh, PA

WSBA Network Lunch - East End, Thursday, May 16, 2013, 1:00 PM
Smiling Banana Leaf, 5901 Bryant Street, Pittsburgh, PA

WSBA Network Lunch - Monroeville Friday, May 17, 2013, 1:00 PM
Wooden Nickel, 4006 Berger Ln, Monroeville, PA

WSBA After Work Network, Wednesday, May 22, 2013, 5:15 PM
Allegheny Wine Mixer Inc, 5326 Butler Street, Pittsburgh, PA

WSBA Network Lunch - Westmoreland, Friday, May 24, 2013, 12:00
Ground Round Grill & Bar, 960 E Pittsburgh St., Greensburg, PA 15601

WSBA Network Lunch - North Hills, Tuesday, May 28, 2013, 1:00 PM
Bella Frutteto, 2602 Brandt School Rd, Wexford, PA

WSBA Network Lunch - Washington, Thursday, May 30, 2013, 1:00 PM
Angelo’s restaurant, 2109 Fanklin Drive, Washington, PA

www.water.org
Selvi is 37 years old and lives in Karattai Village in Vannur block, in Tamil Nadu. She and her husband work as agricultural laborers and have two daughters in school.
In her village, she is also a member of the Saraswathi Self-Help group where she has a savings account, which provides a small loan back to her for household expenses. Selvi says, “I never miss my group meeting. I attended many training programs conducted by Hand in Hand.” She further adds, “I came to know that there is a WatSan loan product for the construction of individual water connections. I enrolled myself for the loan.”
Selvi is happy that she could learn about health and hygiene and understand the importance of safe drinking water, water borne diseases, the importance of toilet construction and the need to have water and toilet connection in her own house.
Water.org’s partner, Hand in Hand, gave a water loan to Selvi to help her install a water connection for her household. Selvi recalls the days when she had to get up early in the morning and go to the street for water collection. She says, “Sometimes due to a heavy rush, I was not able to get water on time and my daughters were not able to get to school.” Now, after getting the individual water connection, Selvi is able to save time. She says, “This is a great help for poor villagers like us.”
Join us for World water Day www.water.org
and celebrate the progress being made for families like Selvi’s.