December Newsletter

Document Sample
December Newsletter Powered By Docstoc
					January 2007                                                                               Volume 30, No. 1

President’s Message
Linda Votaw
                                                                                INSIDE THIS
          The Future is Now!                                                      ISSUE:
             t has been a challenge to be your
             president during this somewhat trying time when the group             Image Tip
             as a whole is deciding the direction that the Network for            Keiko Couch
             Executive Women should take in the future. The committee
that was established to study that very question should be proud of their
diligence. The annual meeting will be extremely important this year to             Hot Shots
attend so that you can participate in the direction this organization takes   Texas Photo Safaries
in the future. There will be important decisions made and I hope you will       Valerie A. Russo
make every effort to attend.

There has been criticism that we are not a true networking group since            1031s Gain
we do not promote the exchange of business cards or the selling of                  Interest
merchandise or services between the members. Some food for thought                 Betty Poage
might be that true selling is the building of relationships that cause
interaction between the members that can lead to future sales. That being
said, it is also important to establish meaningful friendships that are not     Book Review
based on whether or not a product changes hands. I would hope that we            Loveta Eastes
are not judging the present value of people with a dollar sign.                 ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○


The dynamics of the group have changed over the 25 years it has existed,
simply as a result of the aging of the group. In order to attract a younger
                                                                                 UPCOMING
crowd, there will have to be changes made that will be painful for many of        EVENTS:
the established members. I think under the strong leadership of Judith
Wells those changes will happen, but it will not be without dissent.
                                                                                2007 Annual
I am proud to have been your president this past year. I have never been          Meeting
a strong supporter of highly structured meetings, so that is not how I ran
my presidency – I have been successful in my life and in my career without      Jan. 13, 2007
ever resorting to conducting that type of meetings. I hope it has not been
a disappointment to anyone. I enjoyed having the association with a
great board of directors. I look forward to helping out all I can in 2007.    Judith Clements’
                                                                               New Year’s Day
Your Network President,
Linda Votaw
                                                                                Celebration
Image Tip of the Month

Memorable Fashion Expressions, But Are They You?
There were several memorable “Fashion Expressions” I recall that influenced and changed the fashion/
image world.

Do you remember the blue satin dress created by Edith Head that Grace Kelly wore to the
Oscar Awards ceremony? (This was a pretty long time ago.) The ice blue dress could not
have been more gorgeous for the beautiful Grace Kelly. I was breathless when I saw it in a
picture.

I was a young student at a college in Texas when I saw an article on topless swimsuits
created by Rudi Garnrich in the early 60’s, and what was shocking was that 3,000 of the
topless swimsuits were sold instantly after it debuted!!

I saw the movie “Seven Year Itch” starring Marilyn Monroe, which had the scene where she
stood over the subway grating and the draft brew up her skirt. That was so daring! She was
not skinny either! An In Style article said that thousands of copies were made and sold and
recently the original dress was sold at an auction for $60,000.

                     Of course none of us can forget the way Jacqueline Kennedy changed the American
                     fashion image. Her simple & clean style, which reflected her upper class up-bringing,
                     was fresh and so classic. She was elegant and polished. America finally had a princess.
                     Did you know her famous 3-strand pearl necklace was a fake? You can buy it from a
                     manufacturer for $150.00 even now!

                     Then came the skinny body called Twiggy with a mini skirt. Women
                     tried to copy her hairstyle and makeup. The hair was cut short, bleached
                     and puffed. The eyes were outlined with black eyeliners and fake
                     eyelashes. The problem was that you had to have her child-like body.

More recently, the creation by Versace worn by Jennifer Lopez was one of the 7 wonders of
the fashion world. What kind of glue or tape was applied to keep the silk dress from completely
slipping away from her body? A stream of Hollywood stars and the like who had tucked and
lifted bought similar dresses to show off their curves.

Fashion comes and goes, but your own style stays. The year 2007 marks my 25th year in
business and I can honestly say I have helped thousands of women trying to find their true
style, their image and the way they feel about themselves. To me, expressing yourself is a
privilege and is of paramount importance as a human being.

And 2007 is here! Are you ready to really express who you are in the New Year?

Keiko
KEIKO Couch, AICI, CIP (Certified Image Professional)
Ft. Worth’s Color, Dress, Skincare & Feng Shui Consultant
Studio Tel: 817-923-9837 Home Office: 817-926-7675
Fax: 817-923-9481 Email: kcouch@aol.com www.keikocouch.com
                                                -2-
MEMBER OF

                                           Vote Network for Executive
                                                   Women!


                                                          Make Your Voice Heard!
            Annual Meeting
             Jan. 13, 2007                      The future of Newtwork for Executive Women is in
                                                your hands! Attend the Annual Meeting and vote
Fort Worth Club                                 on these important issues and more:
306 West 7th Street
Fort Worth, Texas 76102
9:00 a.m. - 12:00 noon                          1. Breakfast location

Cost: $25                                       2. Breakfast meeting structure
R.S.V.P.: 817-291-5738
E-mail:                                         3. After hours meetings - should we have them?
lvotaw@parkplazafw.com

                                                  Plus, we’ll have our usual fun! So, please come!

              VOTE!
                                                         A Group for Career-Oriented Women!




                                        LOG ON TO
                              NETWORKFOREXECUTIVEWOMEN.ORG

                   Take less than 3 minutes of your time and re-register on Network’s website.
                We had a catastrophic crash of the website late last summer. Nina worked hard to
                     re-establish the website and it’s been up and running since September.
                The crash means you’ll have to re-register. It literally takes less than a minute to do.
                    On the off chance you have any problems, e-mail Nina at nina@raxia.com.

                                                          -3-
Travel

HOT SHOTS
Texas Photo Safaris Attract New Breed of Hunter
by Valerie A. Russo

All over Texas, native, migrating and exotic species are being shot – with cameras.

“Last year, we made more money from wildlife photography than cattle,” said Sally Crofutt who charges
photographers $100 per day to shoot on the 4,000-acre ranch she manages by the Gulf Coast.

And she’s not the only Texan courting the snap-happy
public. From Hill Country to the Rio Grande, ranches and
wildlife centers are offering photography workshops,
tours, contests and amenities, such as photo blinds in
landscaped settings with water and (out-of-view) feeders
for wildlife.

Here’s where to point and shoot:

Near Fort Worth
Go here: Fossil Rim Wildlife Center in Glen Rose. Day
trip or overnight at the Lodge or Safari Camp tent cabins,
$175-$300 per night, double occupancy; includes
breakfast.

Shoot this: Antelope to zebra in landscape resembling                    Near Fort Worth: Zebras
African savannah. Drive through 10 miles of the 1,800-                    Photo by Jan Bussey
acre compound; byo convertible or Jeep for best
viewing. $14.95-$18.95 per adult; $8.95- $10.95 per child.

                                                Get help: Behind-the-scenes tours (2 ½ hours, $45), private
                                                Jeep tours (6 hours, $275, includes lunch with animal care
                                                specialist) and photography workshops (check
                                                www.fossilrim.com for schedule).

                                                Texas Hill Country
                                                Go here: Cavu Canyon Ranch in Segovia, $75-$150 per
                                                cabin, per night. www.cavucanyonranch.com. Red Creek
                                                Nature Ranch in Junction, $90-$150 per cabin, per night.
                                                www.redcreeknatureranch.com. Rates include use of photo
                                                blinds.

                                                Shoot this: Vermilion flycatcher, golden-cheeked warbler,
                                                painted and indigo buntings, pyrrhuloxia, golden-fronted
                                                woodpecker, turkey, diamondback rattlesnake, jack rabbit,
         Texas Hill Country: Whitetail Buck     cottontail rabbit, deer, porcupine, armadillo, fox, coyote and
              Photo by Rod Gardner
                                                bobcat.

                                                      -4-
Travel (cont’d.)

                                                   Get help: Photographer Rod Gardner will drive guests from
                                                   airport to ranch, take to the best spots for wildlife
                                                   photography, identify wildlife, give photo tips and digital
                                                   photo-editing assistance. $150 per day for two people,
                                                   $50 per additional person. www.rgardnerphoto.com.

                                                   Coastal Bend
                                                   Go here: Fennessey Ranch in Bayside, four-bedroom
                                                   cottage, $50 per person, per night; photo blinds, $100
                                                   per person, per day. www.fennesseyranch.com. Knolle
                                                   Farm & Ranch B&B in Sandia, $80-$215 per night,
                                                   includes gourmet breakfast and access to paths and
         Coastal Bend: Roseate Spoonbills
               Photo by Mike Price                 secluded spots for wildlife photography. www.knolle.com.

Shoot this: Wetland and brushland birds, including yellow-billed cuckoo, painted bunting, red-shouldered
and Cooper’s hawks, green jay, white-shouldered kite, anhinga, bittern, ibis, sandhill crane, roseate spoonbill
and woodstork.

Get help: Four-day digital photography workshop (early December, $675 per person).
www.fennesseyranch.com.

South Texas
Go here: Six ranches landscaped for nature photography, with water and feed to attract wildlife. $125 per
person, per day, for use of photo blinds; additional charge for lodging at El Tecolote Ranch or nearby
motels. www.lensandland.com.

Shoot this: Birds whose northern-most range is
South Texas, including the Great kiskadee, buff-
bellied hummingbird, ringed kingfisher, curve-billed
thrasher, crested caracara and chachalaca.
Mammals including the desert cottontail, javelina and
bobcat.

Get help: The Martin Homestead Ranch, which has
no rattlesnakes, may be visited without a guide but
Dos Venadas requires an approved guide (see list
at www.rgvnature.net, $100-$150 per day). South
Texas photo workshops: Apr. 16-20, 2007, $1750,
www.cardinalphoto.com. April 22-29, $1945,
www.firstlighttours.com. April 30-May 5, $2095,          South Texas: Desert Cottontail eating Prickly Pear cactus
www.advenphoto.com.                                                     Photo by Steve Bentsen


CALLING ALL SHUTTERBUGS...
Coastal Bend Wildlife Photo Contest: $250-$500 entry fee, $90,000 prize money. Photos must be
taken between March 1 and June 30, 2007 on a participating ranch; free lodging available on some
properties. (361) 881-9316. www.wildlifephotocontest.com.


                                                     -5-
Financial

1031s Gain More Interest From Real Estate Investors
By Betty Joy Poage, Financial Advisor, H&R Block Financial Advisors

Because of 2002 IRS clarifications, the 1031 exchange has become a very popular option for many real
estate investors. A 1031 exchange (named after Section 1031 of the IRS code) is not a new idea. It was
created in 1921 in order to allow for a reciprocal transfer of certain types of property. In the past, abiding by
                                               the very strict requirements of the 1031 caused investors to
                                               choose other options when selling their real estate. Now, with
                                               Tenants-in-Common (TIC) ownership, the popularity of the 1031
                                               has been increasing significantly. Since 2001, the amount of
                                               money invested in TICs has roughly doubled each year. It is
                                               believed that TICs will reach more than $5 billion in 2006.

                                                   Tenant-in Common is a form of ownership whereby two or more
                                                   individuals own a partial share of a whole piece of property.
                                                   Each co-owner receives his or her portion of net income, tax
                                                   benefits and appreciation. TIC investments are created by
                                                   various sponsors who acquire the property and package it for
                                                   sale to multiple investors who will each own a fractional interest.
The typical TIC offering is a large institutional property such as an office building or luxury apartment complex.

A 1031 exchange is usually a three-way delayed exchange
in which an intermediary is used to facilitate the transaction.
There are four basic steps:

   1. The seller arranges for the sale of property and
      includes exchange language in the contract.
   2. At closing, sales proceeds go to a Qualified
      Intermediary for a 1031 exchange.
   3. The seller must identify potential exchange
      properties within 45 days of the closing.
   4. The seller must complete the 1031 exchange within
      180 days of closing.

A successful exchange can result in the taxpayer being able to utilize 100% of the proceeds from the sale of
property to purchase a new property, thus deferring capital gains. By doing this, real estate owners can
                                         accomplish a number of objectives: diversification, improved cash
                                         flow, greater leverage, geographic relocation, or property
                                         consolidation.

                                             The power behind the TIC

                                             One driving force behind the increase in TICs is the ability to defer
                                             taxes on the gains from the sale of certain types of property, while
                                             taking advantage of the recent real estate boom in highly desirable
                                             areas. Another driving force is TIC investors typically become

                                                        -6-
Financial (cont’d.)

                                                     owners of high quality commercial or industrial property.
                                                     Thus, the owner becomes a passive owner which means
                                                     no 2:00 am phone calls that the toilet is clogged or the
                                                     heater is broken. A third benefit is TIC investors can
                                                     receive monthly income from their investment while still
                                                     having the potential for appreciation of the property.
                                                     Lastly, heirs receive a stepped-up basis on the TIC
                                                     investment, potentially eliminating capital gains taxes
                                                     all together.

There are risks involved

While a TIC investment provides many benefits, you should also be aware of the risks and limitations of
such an investment. TIC interests are not freely transferable, and there is no secondary market for these
interests. Cash distributions and potential property
appreciation are not guaranteed. Also, investors in a TIC
are subject to the typical risks of real estate ownership such
as economic influences, occupancy rates, and tenant risk.

Some Dos and Don’ts

   •   Do advanced planning for the exchange and talk to
       your accountant, attorney, and financial advisor prior
       to selling a property.

   •   Do not miss your 45-day identification deadline as
       this will disqualify the entire exchange, and expose you to possible tax liabilities from the sale.

   •   Do keep in mind that you must receive only “like-kind” replacement property, must use all proceeds
       from the sold property for purchasing the replacement, and make sure the debt on the replacement
       property is equal to or greater than that on the relinquished property.

   •   Do not try doing a 1031 exchange yourself using your CPA or attorney to hold title or funds. IRS
       regulations require a Qualified Intermediary to properly complete an exchange.

As you can see, there are some wonderful benefits to the 1031 exchange but qualifying and following every
rule can be tough. You should consult with legal experts knowledgeable on these transactions before deciding
                                               if a 1031 is right for you.


                                               Betty Joy Poage is a financial advisor for H&R Block Finan-
                                               cial Advisors located in the firm’s 4501 Camp Bowie Blvd.
                                               Fort Worth, Texas office. Betty can be reached at 817-732-
                                               3831 and betty.poage@hrblock.com.




                                                     -7-
Book Review

The Number 1 Ladies Detective Agency Series
by Alexander McCall Smith

Haven’t we all wished at times to visit a more civilized world? Surely even a brief respite
in such a place would soothe our jangled nerves! It would be a place with people of
good humor and true kindness toward one’s neighbors.

If this appeals to you, it is time to discover the Number 1 Ladies’ Detective Agency
Series. Written by Scottish law professor, Alexander McCall Smith, these little volumes
enchant readers with mysterious events in Botswana, Africa.

Precious Ramotswe has used her inheritance to establish her very own detective agency.
An African woman with a “traditional build,” she knows that some people think a woman
            is not capable of being a detective at all. Nevertheless, she has a passion
            for helping people. It may be an eleven year old boy snatched by a witch
            doctor, and intruder in a house on Zebra drive, or a mechanic who has run
            off with a wealthy older woman.

              Along the way, you will meet some delightful people. Yes, there may be a
              rascal or two thrown in, but they will not outdo the resourceful Precious
              Ramotswe. All will be resolved with wit, wisdom and many cups of red bush
              tea!

The series includes: The No.1 Ladies Detective Agency, In The Company of Cheerful Ladies, and Blue
Shoes and Happiness.

Book Review by Loveta Eastes


 JUDITH CLEMENTS’
   New Year’s Day
     Celebration
     11:00 a.m. - 3:00 p.m.
     3603 Trail Lake Drive
      Call & let me know if you
       want to bring anything.
              817-207-9434
                                              WE MISS YOU!
                                            Please join us
                                             each Friday
                                              during the
                                           month of January
                                                 at the
                                      Ol’ South Pancake House.

                                             We’d love to see
Look at all of the empty seats.
  Isn’t anyone else coming?                    you there!                      The coffee is piping hot, ready and
                                                                                        waiting for you!


Thanks, Susie Munoz, for providing copies
  of the newsletter at no charge AGAIN.

                                  Susie Munoz
                                        Munoz
                                  Copy Center Specialist


                                  Staples ®
                            sm    1660 University Dr.
         that was easy.           Ft. Worth TX 76107




                                  (817) 336-1616 Tel.
                                  (817) 336-1567Fax
                                                           These e-mail addresses do not work:
                                                                lyoung@womenscenter.info
                                                                    gaestes@prodigy.net
              January                                               leastes2@yahoo.com
              Birthdays                                               cnorfleet@ont.com
                                                                   j.jones.12@charter.net
                                                               mtgoodwin@prepaidlegal.com
  Bev Adkins                         Jan. 5                          mason7@charter.net
  Jewell Burgess                     Jan. 12                          Please advise the editor.
  Loveta Eastes                      Jan. 23
  Mary Orndorff                      Jan. 26                                     RESIDENTIAL BROKERAGE

  Sarah L. Walker                    Jan. 31                                     (817) 989-4839 DIRECT LINE
                                                                                 (817) 737-8315 FAX
                                                                                 (817) 504-6104 CELL
                                                                                 dorisrichardson@coldwellbanker.com
                 HAPPY
                                                                                 3400 Bernie Anderson
                                                                                 Fort Worth TX 76116
               BIRTHDAY!                                    DORIS RICHARDSON
                                                                      ®
                                                                                 www.cbdfw.com/dorisrichardson
                                                            REALTOR                    Owned And Operated By NRT Incorporated
 The Network for Executive Women
       Monthly Newsletter
      is available online at:                                           ~ MEETINGS ~
   www.networkforexecutivewomen.org                                  Every Friday morning at the
                                                                      Ol’ South Pancake House
     Newsletter Advertising Rates                                         on University Drive,
                                                                           just south of I-30
        Business card ad for members                                         at 7:30 a.m.
               1 month - $12
               6 months - $60                                           Invite your friends and
                                                                       business associates to
    If you have any ideas or an article for the newsletter, please     our breakfast meetings
            send an e-mail to: bgriffin@parkplazafw.com.                    and luncheons!
    The deadline each month is the 15th of the previous month.




NETWORK for Executive Women
P. O. Box 101165
Fort Worth TX 76185-1165



     Notable Quote




  A bird does not sing because he has
  an answer. He sings because he
  has a song.
             Joan Walsh Anglund
                                                February                       INSIDE THIS
                                                  2007                           ISSUE:
                                               Newsletter
                                                                              N.E.W. Mantra
                                                Volume 30, No. 1

                                                                               2007 Annual
President’s Message
Judith Wells
                                                                                 Meeting
                     The Journey of Change                                      New N.E.W.
                           Omnia mutantur, nos et mutamur in illis or “All
                                                                                 Meeting
                           things change, and we change with them.”1             Location
                           And so it is with Network as we begin our 29th
                           year. Our annual meeting was billed as a
                           meeting where the membership would be
                                                                             March is National
                           called upon to consider some major changes        Women’s Month
                           for our organization. It’s been clear to those      Valerie A. Russo
                           of us who regularly attend breakfast and other
                           Network functions that things had to change
                           whether we wanted them to or not. Breakfast       Winds of Change
                           attendance has dwindled to the point that we’re
                           happy if a dozen members show up. Other             ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○

Network functions have experienced moderate attendance which given
past history is really minimal attendance in the big scheme of “Network”        UPCOMING
things. Linda Votaw called a meeting of all interested members on
November 8, 2006 to discuss the future of Network. Members whom
                                                                                 EVENTS:
I had not seen for years at a Friday breakfast or other Network function
showed up. It was clear there were many of us who were interested in
                                                                             February 16 - New
keeping Network going. The Back to The Future Committee formed
at the conclusion of that meeting.                                           Breakfast Location

The Committee met each Monday for five weeks between November
                                                                         March 23 - “Moving
8th and January 8th. We decided to ask the membership for permission
to make some major changes that would hopefully recharge our group         on Up” Breakfast
and enable us to attract and retain new members. They were: 1.
Change the name to Network for Enterprising Women; 2. Move the
location to the 7th Street Grill in downtown Fort Worth; 3. Add a member “spotlight” to each Friday
morning breakfast meeting to allow members to advertise their business or instruct us on a particular
skill they have; 4. Restrict brags to members only; and except for the last Friday of the month, restrict
the brags to business or personal achievements only; 5. Allow brags on any subject the last Friday of
the month; and 6. Institute a monthly evening meeting that would consist of a brief business meeting
followed by plenty of time to socialize and network.


1
    Matthias Borbonius: Deliciæ Poetarum Germanorum, i. 685
President’s Letter (cont’d.)


It is the committee’s opinion that these changes are necessary to attract and retain members. We
recommended the name change because none of us felt it truly reflect our membership. Bertha Henrichs
came up with the new name. We also acknowledged that our name has prevented us from attracting
new members because many women do not define themselves as an “executive.” “Networking” today
means the opportunity to make contacts that will increase one’s business or professional opportunities.
We have to restructure our meetings to give our members and visitors time to do just that. The committee
recommended the change of meeting location to a more central location with a better and healthier
atmosphere that we believe is more reflective of the group as a whole. We recommended changing the
breakfast structure to get the group back to “business” as it were, but to also allow members to promote
their business in a more comprehensive way. Finally we recommended the evening meeting in the
hopes that the membership will feel more connected to the club itself by being updated regularly about
the work of the board. We also believe that younger women would be more likely to try us out in the
evening than in the mornings.

All proposals with their pros and cons were discussed thoroughly before a vote was taken. Then the
membership did what my sign on the podium called for – we put on our “big girl panties and dealt with it.”
By majority vote, each proposition passed with an overwhelming majority. Further, by hand vote, the
majority pledged to attend to help the evening meetings succeed. It was an inspiring moment for your
new President. In the waning weeks of 2006, I truly wondered if Network would still be here for me to
preside over by the end of 2007. Now, I am convinced we will continue and am anxious to see what this
wonderful group of women can achieve this year.

Change is a process – a journey. It’s not without risk and can be scary and uncomfortable at times. We,
as a group, have decided to take a risk by approving these changes. Now, we, as a group, must
remember to support the changes by encouraging each other to embrace the new ways and giving them
a chance to succeed. We must stay involved because really the success of any organization is the
responsibility of each person within the organization. It can take a whole year for a new behavior to
become habit. I ask that each one of you give Network at least one year with these new changes and
see if we can’t get this organization back to the vibrant, unique group it once was. Let’s do it!



OUR MANTRA

Taylor Stephens-Parker did an outstanding job installing the new officers and asking the membership to
support the new team. Part of her team-building installation was having all of us select a rock that was
inscribed with the words, “We are NEW!” and wrapped with the mantra below. After we had all selected
our rock and unwrapped the paper, we recited the NEW mantra together. For those of you who were
unable to attend, I invite you to recite the new mantra to yourself and then for all of us to remember to
implement it. Great job Taylor!!!


To All Members of NEW: Our collective history is rich and deep. We are proficient with our tools.
We are naturals for providing informal and personal support! We are encouraging and inspiring to
other women when they least expect it and need it most! We are enterprising women, willing to share
our gifts with others! We are rock-solid NEW!
2007 Annual Meeting

   New Board Members
     President    Judith Wells
President Elect   Betty Poage
Vice President    Keiko Couch
     Secretary    Kay Wright
     Treasurer    Eloise Foltes
   Publications   Nina Carty
    Hospitality   Sarah Walker
  Membership      Judith Clements
      Historian   Bertha Hendricks
We’re Moving!
February 16th
              Our NEW breakfast location is
                  The 7th St. Grill
      Corner of 7th and Lamar, downtown Ft. Worth

                 Same time – 7:30 a.m.
                   Same day - Friday
                     NEW Place!

                        Parking:
   Parking is available at meters for free until 8 a.m.
          on 7th St. and surrounding streets.

Parking is also available for free at the Fort Worth Club
    Parking Garage just one block east of the Grill.

  See our website for a map and a copy of the menu!



                           Goo
                               d
                          Food
                               !

                               d
                          Goo !
                          C offee
                            Breakfast Menu
                                    (7:30 – 10:00 AM)

                                                                  Ala Carte
$ 2.75 Breakfast Taquitos                        $ 2.50   2 Buttermilk Pancakes
        (2 Per Order)*                           $ 1.50   2 Eggs (Any Style)
      –   Bacon & Egg**                          $ 1.00   2 Bacon Strips
      –   Sausage & Egg**
      –   Chorizo & Egg**                        $ 1.00   2 Sausage Patties
      –   Potato & Egg**                         $ 0.75   Hash Brown Pattie
                                                 $ 0.75   2 Slices of Toast (Wheat)
$ 2.75 Bacon, Lettuce, &
        Tomato Sandwich*

$ 4.75 Pancake Meal*                                                Drinks
      –   2 Buttermilk Pancakes                  $ 1.50   Orange Juice (Bottle)
      –   2 Eggs (Any Style)                     $ 1.50   Apple Juice (Bottle)
      –   Choice of 2 Bacon Strips or
           2 Sausage Patties                     $ 1.50   Grapefruit Juice (Bottle)
                                                 $ 1.50   Green Tea
$ 4.00 Breakfast Egg Special*                    $ 1.30   Soft Drinks (Fountain or Bottle)
      –   2 Eggs (Any Style)
      –   Hash Brown
                                                 $ 1.30   Ice Tea (Sweet or Unsweetened)
      –   2 Slices of Toast (White or Wheat)     $ 0.90   Coffee (12 oz. Cup)
      –   Choice of 2 Bacon Strips or            $ 0.99   Hot chocolate (12 oz. Cup)
           2 Sausage Patties
                                                * Add Cheese $ 0.35
$ 1.50 Gourmet Muffins                          ** Add Bacon, Sausage, Chorizo, or Potato $ 0.35
      –   Apple Cinnamon, Blueberry, or Cream
           Cheese

$ 1.50 Toasted Bagel With Cream
        Cheese
      –   Plain or Blueberry
Travel

March is National Women’s History Month

FORWARD MARCH:
Celebrate Women’s History Month from the Alamo to the Everglades
By Valerie A. Russo

Remember the Alamo? You wouldn’t if Texas women hadn’t saved it. And the Everglades would
be the Neverglades if the Florida Federation of Women’s Clubs hadn’t made a fuss. From the
Tennessee State House to a Boston town house, the petticoat set just wouldn’t take “no” for an
answer.

Here are four places the ladies launched, which you can
visit to mark Women’s History Month (March):

Boston: Hats off to Harriet

In 1896, Boston’s “other” tea party was held to stop the
slaughter of wild birds for their plumage. Back then, it
was fashionable to have a feather in your cap.
                                                            A Boston woman held tea parties to stop
Over tea in her Back Bay brownstone, Harriet Hemenway
                                                            the slaughter of wild birds for their
persuaded Boston socialites to go feather-free and join     feathers, which led to the formation of the
forces with men to establish the Massachusetts Audubon      Massachusetts Audubon Society. Photo
Society, the first of many Audubon Societies in the         by Bill Lawless, courtesy of Joppa Flats
country. As a result of the bird lobby, the legislature     Mass Audubon Wildlife Sanctuary.
banned the sale of wild bird feathers.

                                         How to celebrate: Sign up for the Bird Banding programs
                                         on April 28, May 5, 12, 20 or 26 at Joppa Flats in
                                         Newburyport, Mass., one of 43 Mass Audubon wildlife
                                         sanctuaries. Trained volunteers extract the migrating birds
                                         from “mist” nets, band and weigh them; visitors release
                                         them. www.massaudubon.org/joppaflats.

                                         Nashville: Mother knows best

                                         Tennessee’s youngest legislator, 24-year-old Henry Burn,
                                         cast the tie-breaking vote on August 18, 1920, which gave
The Hermitage Hotel in Nashville was     all American women the right to vote. Initially opposed to
headquarters for the suffragists, who    women’s suffrage, he changed his mind after receiving a
wore yellow roses, and the anti-         telegram from his mother urging him to vote in favor of the
suffragists, who wore red roses. Photo   19th Amendment to the U.S. Constitution.
courtesy of the Hermitage Hotel.

                                                 -6-
Travel (cont’d.)


The amendment required passage by a 3/4 majority, 36 of the 48 states. Tennessee was the
pivotal 36th state.

How to celebrate: Tour the State Capitol in Nashville where the historic vote took place and see
exhibits on woman’s suffrage at the Tennessee State Museum. www.tnmuseum.org. Stay at the
Hermitage Hotel, headquarters for both the suffragists, who wore yellow roses, and the anti-
suffragists, who wore red roses. www.thehermitagehotel.com.

The Everglades: A helping hand for Royal palms

Florida’s largest stand of Royal palms, on Paradise Key, was in danger of
being cut down and replaced with citrus. To prevent this from happening,
the Florida Federation of Women’s Clubs lobbied for the creation of the
Royal Palm Hammock State Park. They were successful and Florida’s
first state park was established in 1916. The Federation later successfully
campaigned to have it federally protected as Everglades National Park.

How to celebrate: Join ranger-led walks and bike trips through hammocks,Women’s efforts to
                                                                        preserve Florida’s
glades and pinelands at the Royal Palm area of Everglades National
                                                                        largest stand of Royal
Park. www.nps.gov/ever.                                                 palms resulted in the
                                                                        creation of Ever-
San Antonio: Remember the women                                         glades National Park.
                                                                        Photo courtesy of
It would be harder to remember the Alamo if the preservation-minded Everglades National
Daughters of the Republic of Texas hadn’t purchased the “long barracks” Park.
                            in 1903 - just in the nick of time. The historic
                            building was slated to be torn down and replaced
                            with a hotel.

                            And San Antonio wouldn’t have its distinctive
                            Riverwalk if not for civic leader Emily Edwards.
                            Her puppet show, “The Goose That Laid The
                            Golden Egg,” persuaded city officials to create
                            a riverside park instead of filling the flood-prone
                            river with concrete.

                            How to celebrate: Join the party at the Dyeing
 A    puppet       show     O’ the River Green and St. Patrick’s Day River
 persuaded          San
                            Parade (March 16-18).
 Antonio officials to
 create a riverside park,                                                         The Daughters of the
 now known as the           www.thesanantonioriverwalk.com. Remember              Republic of Texas
 Riverwalk. Photo by Al     the Alamo at special events (March 3, 4 and 6).       saved the Alamo.
 Rendon.                    www.sanantoniolivinghistory.org.                      Photo by Al Rendon.
                                                   -7-
                                                   Membership
                                                   Information
(Please Print)

Last Name ___________________________________          First Name ______________________

Company ___________________________________________             Title ____________________

Business Address    _________________________________ City _____________ Zip ______

Category of Business/Nature of Duties_______________________________________________

Home Address _____________________________________ City _____________ Zip ______

Home Phone ______________ Fax ________________ E-Mail ________________________

Birthday (Optional) (Month/Day) _________ Prefer to receive Newsletter at: ! Home   ! Office




                   Please complete this form and give it with your check
                    (made payable to Network for Enterprising Women)
                             to the Membership Chairman

                                              OR

                                            Mail to:

                           Network for Enterprising Women
                                  P. O. Box 101165
                             Fort Worth TX 76185-1165
                             ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
                                     817-421-1850
                          www.networkforenterprisingwomen.org

                                  For use by Network Officer:

                   Received $ _________ Date __________ Check # _________
   The Winds of Change
February 16th is moving day! We begin at our new location,
               7th St. Grill at the corner of Lamar and 7th St.
February 16th we become Network for Enterprising Women!
February 16th we will feature our first member spotlight

Kay Wright will give a 5 minute presentation on her business.
                         Come See What’s NEW!
        Watch this column each month to see how and when each change voted on at the
                               annual meeting becomes reality.


            February
            Birthdays
  Velda Herrera, D.C.             Feb. 2
  Carolyn Goldsmith               Feb. 18
  Frankye Bruce                   Feb. 23
  Linda Votaw                     Feb. 25
               HAPPY                                                         RESIDENTIAL BROKERAGE

             BIRTHDAY!                                                       (817) 989-4839 DIRECT LINE
                                                                             (817) 737-8315 FAX
                                                                             (817) 504-6104 CELL
                                                                             dorisrichardson@coldwellbanker.com

Thanks, Susie Munoz, for providing copies                                    3400 Bernie Anderson
  of the newsletter at no charge AGAIN.                                      Fort Worth TX 76116
                                                   DORIS RICHARDSON          www.cbdfw.com/dorisrichardson
                                                             ®
                                                   REALTOR                         Owned And Operated By NRT Incorporated
                                Munoz
                          Susie Munoz
                          Copy Center Specialist


                          Staples ®                                      SANDRA C. TYE
                     sm   1660 University Dr.
        that was easy.    Ft. Worth TX 76107                     ENROLLED TO PRACTICE BEFORE THE
                                                                    INTERNAL REVENUE SERVICE



                          (817) 336-1616 Tel.
                          (817) 336-1567Fax        4417 RIDGETON RD.                                    sctye@juno.com
                                                   FORT WORTH, TEXAS 76116                                (817) 732-8032
                                                                                                Newsletter
                                                                                                Advertising
                                                                                                  Rates
                                                                                               Business card
                                                                                              ad for members

                                                                                               1 month - $12
                                                                                               6 months - $60
                                                                                              ~ MEETINGS ~
                                                                                                Friday mornings
                                                                                             February 2 & 9 at the
                                                                                           Ol’ South Pancake House
                                                                                               on University Drive,
                                                                                                just south of I-30
                                                                                                   at 7:30 a.m.

     The Network for Enterprising Women                                                         Friday mornings
                                                                                            February 16 & 23 at the
    Monthly Newsletter is available online at:                                             7th Street Grill. See pg. 3
          www.networkforenterprisingwomen.org                                               for address & directions




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


        Notable Quote




     Change is the law of life. And those
     who look only to the past or
     present are certain to miss the
     future.          John F. Kennedy

If you have any ideas or an article for the newsletter, please send an e-mail to: newsletter@networkforexecutivewomen.org.
                                  The deadline each month is the 15th of the previous month.
                                        March                                  INSIDE THIS
                                         2007                                    ISSUE:
                                      Newsletter
                                                                                  Hattitude
                                        Volume 30, No. 2

President’s Message                                                          New Weekly
Judith Wells                                                               Meeting Location
                               Change Is Exciting!                          Asset Allocation
                         Nineteen on a nineteen degree day! That’s              Betty Poage
                         how many members attended our first meeting
                         at our new location, the 7 th Street Grill.
                         Remember I said last month that change can          Winter Thrills
                         be scary and uncomfortable at times? Well, I        Valerie A. Russo
                         know I experienced those feelings. There
                                                                               ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
                         were and are kinks to work out. Sandy Potter,
                         the owner of the grill, drafted employees to
                         wait on us. The ladies had never waited on
                                                                              UPCOMING
                         people before so it was a learning experience           EVENTS:
for all. Judith Clements made the executive decision that one side of
the room was too drafty so the meeting was moved to the other side of
the room. We moved tables and chairs and made the 7th Street Grill
                                                                             March 5 - Open
our own. Nina Carty did an excellent job on the “Network for                House - Horton’s
Enterprising Women Meets Here” sign which will be displayed always           Adult Day Care
in the window of the Grill. The food was good. Comments from
members ranged from “This has such a better atmosphere” to “What,
no decaf coffee?” Well, there will be decaf coffee next week. Another       March 22 - Iraq &
learning curve was the new digital meters. I put a dime in the meter at Back: Inside the War
7:25 a.m. when I got there and nothing registered. So I thought, “Geez,     to Win the Peace
I’m going to have run out here and fill the meter at 8:00 a.m.!” Of
course that didn’t happen. When I got to my car, the meter maid’s car
was parked behind mine; but, to my amazement, no ticket. I happily        March 23 - “Moving
paid my meter and put some coins in another meter near mine just to         on Up” Breakfast
pay back the universe for allowing me this unexpected blessing. Well,
Nina Carty and Ann Duncan explained to me that it wasn’t so much
the universe that helped me out as much as it was technology. You fill the meter and when it turns on at
8 a.m. it registers the money. So I guess when the meter maid got there, my dime was still working.

Kay Wright was our first “Member Spotlight.” She used only three minutes to inspire us all to do something
about our diets and help us understand how the Mannatech products she sells will fill in the large gaps
we leave. Her talk on keeping our cells healthy and communicating properly with each other prompted
members to use Kay’s last two minutes to ask questions. Plus she was besieged with members with
more questions when we began Networking. I think the “Member Spotlight” is going to be our best new
feature! Come next week to hear Macy Missildine tell us about Arbonne International. Plus, bring
business cards to put in the bowl so you might be selected to be our spotlighted member the following
Friday. Join us next Friday and every Friday thereafter to NETWORK!
Hattitude




Hattitude…Hats Off to Women! is a partnership of vibrant organizations, of which Network is one, whose
members are movers and shakers in and around Fort Worth, Texas. Each year, we join hands to celebrate
women and the contributions women have made locally and abroad. Our mission is to celebrate Women’s
History Month with a tip of the hat to women for all the roles they play, their accomplishments, and their
invincible spirit.
With a little Hattitude, and a lot of class, the Hattitude Committee, including Network members Sarah
Walker and Judith Wells, have created a diverse calendar of innovative programs, special events and
activities to honor all women – from those who work behind the scenes to those in the spotlight –
throughout the month of March - International Women’s History Month.

The theme this year is “Walk a Mile in Her Shoes.” The month starts off with the opening of the art
exhibit on Friday, March 2, 2007 at 6:00 p.m. at the Fort Worth Central Library. Local women artists are
featured. The past years have featured really outstanding pieces of artwork, many of which are for sale
and some of which can be purchased through the silent auction that night.

The next day is “Walk a Mile in Her Shoes: Kickoff and Honoree Recognitions,” again at the Fort Worth
Central Library. This is the event of the month that our own Sarah Walker has worked so hard on. There
will be a program honoring all of the honorees, including Network’s own honoree – Colonel Kim Olson.
There will also be a catered brunch buffet, and organizations booths. Once again Network will have a
booth there. Our own Susan Herman’s organization, Girls Inc. will also have a booth there and I expect,
though I’m not sure, that some of the girls from Girls Inc.will be there.
I don’t want to forget Network’s featured event on March 22nd at 7:00 p.m. at the Botanical Gardens.
Last year was so wonderful that we had to come up with an equally inspiring program for this year. We
are featuring Colonel Kimberly Olson, a retired Air Force Colonel, who wrote the book, “Iraq and Back,
Inside the War to Win the Peace.” Borrowing from Colonel Olson’s biography written in her book, the
Colonel is part of the first generation of female pilots in the United States Air Force. She became a
command pilot and logged over 3,700 of flying hours in six different types of aircraft. She was the first
female KC-135 (that’s BIG jet) squadron commander at Fairchild AFB in Washington state. Prior to
retiring, Colonel Olson worked at the Pentagon with the Office of the Secretary of Defense, Joint Staff,
and Air Staff. This will be a wonderful program for anyone, but I especially encourage you to bring your
school-aged children and grandchildren to hear her speak. The cost is $20.00 but it will be well worth it.
See Judith Wells to buy and/or sell tickets. Judith can be reached at (817) 360-5209 or JGWTx@aol.com.
Don’t forget to wear your favorite hat to any event of Hattitude. Be sure to check out the Hattitude
website for the calendar of all the other events, designed by our own Nina Carty, at www.hattitude.org.
       oved! OurThe 7 St. Grill is
                      NEW breakfast location

   We M
                                                                               th
                                                                      th
            Corner of 7 & Lamar, downtown Ft. Worth

                Same time – 7:30 a.m. ------ Same day - Friday
           Parking is available at meters for free until 8:00 a.m.
                    on 7th St. and surrounding streets.

         Parking is also available for free at the Fort Worth Club
             Parking Garage just one block east of the Grill.

            See our website for a map and a copy of the menu!



                                                              Goo
                                                                  d
                                                             Food
                                                                  !

                                                                  d
                                                             Goo !
                                                                  ee
                                                             Coff


                                                               Open House
                                            Bring your appetite! Finger foods will be served all day!
                                                         Horton’s Haven Adult Day Care
                                                 9:00 a.m. - 4:00 p.m. Monday, March 5th, 2007
                    EN
                  OP SE                                  8988 Eakins Cemetary Rd. East
                     U
                  HO                                            Justin, Texas 76247
                                        5
                                  rch
                           , Ma
                  Mon
                        day                                        940-206-1207
Directions:
From Denton 35W going South, take the Ponder exit, 2449 and go west to Highway 156; go left (south)
3.5 miles to Eakins Cemetary Rd. East (there will be balloons marking the road); go left (east), across
the railroad tracks, turn left at the 2nd road.

From Ft. Worth: 35W going north, take the Justin Exit FM Rd. 407, turn right (north) and go 3.5 miles to
Eakins Cemetary Rd. East (there will be balloons marking the road); go right (east) across the railroad
tracks, turn left at the 2nd road.
Finances

      Allocation:         Inv        Strategy
Asset Allocation: A Sound Investment Strategy
In today’s complex financial markets, you have an impressive array of investment vehicles from which
to select. Each investment also carries some risks, making it important to choose wisely if you are
selecting just one.

The good news is that there’s no rule that says you must stick with only one type of investment. In fact,
you can potentially lower your investment risk and increase your chances of meeting your investment
goals by practicing “asset allocation.”

What Is Asset Allocation?
Asset allocation refers to the way in which you balance diverse investments in your portfolio in order to
try to meet a specific objective. For instance, if your goal is to pursue growth (and you’re willing to take
on market risk ), you may decide to place 20% of your assets in bonds and 80% in stocks.

The asset classes you choose, and how you balance your investments in each, will probably hinge on
your investment time frame and how that matches with the risks and rewards of each asset class.

Stock, Bonds, and Money Markets

Here’s a closer look at the risk and return levels of the major asset classes:

   ! Stocks-Well-known for fluctuating frequently in value, stocks typically carry a high level of market
     risk (the risk that your investments’ value will decrease after you purchase them) over the short
     term. However, stocks have historically earned higher returns than other asset classes by a wide
     margin, although past performance is no predictor of future results. Stocks have also outpaced
     inflation-the rising prices of goods and services-at the highest rate through the years, and therefore
     carry very low inflation risk.

   ! Bonds-In general, these securities have less severe short-term price fluctuations than stocks,
     and therefore offer lower market risk. On the other hand, their overall inflation risk tends to be
     higher than that of stocks, as their long-term return potential is also lower. Fluctuating interest
     rates will cause bond prices to move in the opposite direction.

   ! Money Market Instruments1-Among the most stable of all asset classes in terms of returns,
     money market instruments carry very low market risk. At the same time, these securities don’t
     have the potential to outpace inflation by as wide a margin through the years as stocks.
   1
    An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any
   other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, is it
   possible to lose money by investing in the fund.

Diversification: The Foundation of Asset Allocation
Before exploring just how you can put an asset allocation strategy to work to help you meet your investment
goals, you should first understand how diversification-the process of helping reduce risk by investing in
several different types of individual funds or securities-works hand in hand with asset allocation.

When you diversify your investments among more than one security, you help reduce what is known as
“single-security risk,” or the risk that your investment will fluctuate widely in value with the price of one
Finances

holding. Diversifying among several asset classes increases the chance that, if and when the return of
one investment is falling, the return of another in your portfolio may be rising (though there are no
guarantees).

For example, in 2002, large-company stocks lost 22.1%, while long-term government bonds returned
13.8%2. (Keep in mind that past performance does not guarantee future results.)
2
 Source: Standard & Poor’s. Stocks are represented by total returns of the S&P 500, an unmanaged index generally considered
representative of the U.S. stock market. Long-term government bond yields are constructed from yields on long-term (10+
years) government bonds published by the Federal Reserve. Past performance cannot guarantee future results. Individuals
cannot invest directly in any index.


A Simple Process, Some Dramatic Potential Results
Asset allocation is a simple concept, yet vital to long-term investment success. In fact, a landmark study
cited in Financial Analysts Journal shows that about 90% of the variability of average total returns
earneAd by balanced mutual funds and pension plans over time was the result of asset allocation
policy3. For many individual investors, the asset allocation decision amounts to choosing what types of
mutual funds to invest in and the amount to invest in each type of fund. Others may want to add
individual securities to this mix after exploring their investment options.

Regardless of the asset allocation strategy you choose and the investments you select, keep in mind
that a well-crafted plan of action over the long term can help you weather all sorts of changing market
conditions as you aim to meet your investment goal(s).
3
 Source: “Does Asset Allocation Policy Explain 40, 90, or 100 Percent of Performance?” Financial Analysts Journal, January/
February 2000.


                                        Points to Remember
           1. Asset allocation is the way in which you spread your investment portfolio among different
              asset classes, such as stocks, bonds and cash.
           2. When prices of different types of assets do not move in tandem, combining these investments
              in a portfolio can help reduce the variability of returns, commonly referred to as “market
              risk.”
           3. Mutual funds are pools of securities, usually offering diversification within a single asset
              class. Some mutual funds may include several asset classes.
           4. The asset allocation that is right for you depends on your investment time frame, goals and
              tolerance risk.
           5. As your investment time frame and goals change, so might your asset allocation. Many
              financial experts suggest reevaluating your asset allocation periodically or whenever you
              experience a milestone event in your life, such as marriage, the birth of a child or retirement.


Article contributions by David Kasper, Fixed Income Strategist with H&R Block Financial Advisors.

Betty Joy Poage
H&R Block Financial Advisors
Financial Advisor 817-348-8637

Investment services and securities products offered through H&R Block Financial Advisors, Inc. members NYSE and SIPC,
a subsidiary of H&R Block, Inc. H&R Block is not a registered broker-dealer.
Travel

WINTER THRILLS...without spills
by Valerie A. Russo

Once you’ve reached age 51, it’s all downhill. So you might as
well put on skis - as I did for the first time last week - and enjoy
the ride.
I also strapped on snowshoes to look for hidden treasure on a
snow- covered mountain and ventured onto a frozen reservoir
to see if the fish were biting (they were). Best of all, I lived to tell
about my adventures. Here’s how I stayed safe while having
fun:
                                                                           Enjoy wienerschnitzel with a view at
“THE CHARLESTON” ON SKIS                                                     Needle’s Lodge at Snowbasin.
                                                                               Photo by Kenneth J. Koubek
Where: Powder Mountain, north of Salt Lake City. It’s the only
resort in Utah with 100 percent natural snow. The dry and powdery snow is a better surface for skiing
than slushy snow. The slopes are not crowded - a plus for beginners. www.powdermountain.net.
What fun: One-hour Learn to Ski group lesson ($55, including rentals and lift pass).
First, we glided horizontally across the ski slope on one ski; then on two skis. We practiced “the wedge,”
a knock-kneed maneuver designed to slow our descent. It’s like dancing “The Charleston” on skis. Then
we did “wagon wheel” steps to move into position for skiing down the beginner’s slope, into the arms of
our instructor. After three successful short runs, I was exhausted from the thin air at 7,600 feet. So I
declared victory and retreated to the lodge for some après-ski refreshment.
My mistake: I didn’t walk around the rental shop in my ski boots to find out if they were comfortable.
During the ski lesson, I realized one boot was digging into my calf. A week later, my leg is still sore.
HIGH-TECH TREASURE HUNT (GEO-CACHING) ON SNOWSHOES
Where: Wolf Mountain (formerly Nordic Valley Ski Resort), north of Salt
Lake City. www.valleylodging.com/adventure.html
                                   What fun: Guided treasure hunt on snow-
                                   shoes ($32 per person for 1 ½ hours, includ-
                                   ing guides, hand-held GPS tracking devices
                                   and prizes; snowshoe rentals are $8 extra).
                                    At the base of the mountain, the guide helped
                                    my husband and me attach snowshoes to our
                                    boots. Then he explained how to use the GPS
                                    (global positioning system) tracking device,
                                    which would point us towards the “cache.” He
                                    also gave us a clue: “take seat #130 or maybe
 On a guided treasure hunt at Wolf
                                    a chair, then look for the wood pile; you’ll find
 Mountain, participants use a GPS   it there.”                                        Young skier does “the wedge”
     tracking device and clues                                                            at Powder Mountain.
         to find the caches.
                                    We spotted the olive-colored box sticking out
                                                                                      Photo by Kenneth J. Koubek
 The sport is called “geo-caching.” of the wood pile, removed the treasure
  Photo by Arthur Lilly, guide for  (bottles of water for the hike), signed the log, read the next clue and
       Wolf Creek Adventures        entered the coordinates for the next cache.
                                                        -6-
Travel (cont’d.)

Then we rode the ski lift halfway up the mountain and continued the hunt,
getting a workout while enjoying beautiful views of the Ogden Valley and
Wasatch Mountains. The metal grips on the bottom of the snowshoes were
essential for walking on the steep snow-covered trails.
My mistake: Geo-caching on snowshoes was so much fun, I should have
booked the longer tour (2 ½ hours, $44 per person). Reservations: 801-430-
3903, adventures@wolfcreekresort.com.

                                A HOLE LOTTA ICE FISHING
                                Where: Pineview Reservoir, at the top of Ogden
                                Canyon, north of Salt Lake City. The ice was a
                                foot thick, according to the Utah Division of
                                Wildlife       Resources        web       site,         View of the Wasatch
                                www.wildlife.utah.gov.                                 Mountains from Ogden
                                                                                         Canyon. Photo by
                                What fun: Parked near a boat ramp and carefully          Kenneth J. Koubek
                                walked onto the snow-covered ice to chat with
                                the fishermen and get a close-up look at their temporary villages of lawn
                                chairs, tents and ATVs.
                                Merle, an avid ice fisherman from Brigham City, had been fishing since 7
                                a.m. He started the day by drilling a hole with a hand-powered auger and
  Pineview Reservoir in Ogden   scooping out the pieces of ice. Then, he baited his hook with fishy-smelling
    Canyon is a popular spot    Crappie Nibbles, lowered the line to the bottom and jigged it up four or five
          for ice fishing.      inches to attract the fish. By 3 p.m., he had a half-dozen crappie and perch
  Photo by Shaun Mathewson,
    outofboundscreative.com     and was ready to go home and fillet the fish for dinner.
My mistake: Should have arrived before 3 p.m.; the ice fishing crowd thins out by mid-afternoon.

IF YOU GO
Transportation: Shuttle service from the airport in Salt Lake City to Wolf Creek Resort is $40 for one
person, $10 for each additional person. Free shuttle service from Wolf Creek Resort to Wolf Mountain,
Powder Mountain, Snowbasin and downtown Ogden.
Lodging: Luxury home and condos, some with hot tubs and
fireplaces, approx. $100 per bedroom, per night, at Wolf Creek
Resort, Powder Mountain and Snowbasin. Reservations:
www.valleylodging.com.
Refreshments: Try Polygamy, the pale ale ($3.50 pint) brewed
and served at Rooster’s Restaurant and Brewing Company in
Ogden, and the unusual pizzas in Eden - peanut butter-and-
jelly pizza at Eats of Eden and Garden of Eden pizza at Alpine
Pizza. For wienerschnitzel ($12.50) with a view, ride the gondola
(round trip, $14) to Needles Lodge at Snowbasin. Then stake
your claim - and claim your steak - at the Timbermine                 New skiers practice without ski poles at
Restaurant and Steakhouse in Ogden, which has a stream                          Powder Mountain.
with miner figures panning for gold in the Mine dining room.              Photo by Kenneth J. Koubek
More information: www.ogden.travel.
                                                     -7-
                                                   Membership
                                                   Information
(Please Print)

Last Name ___________________________________          First Name ______________________

Company ___________________________________________             Title ____________________

Business Address    _________________________________ City _____________ Zip ______

Category of Business/Nature of Duties_______________________________________________

Home Address _____________________________________ City _____________ Zip ______

Home Phone ______________ Fax ________________ E-Mail ________________________

Birthday (Optional) (Month/Day) _________ Prefer to receive Newsletter at: " Home   " Office




                   Please complete this form and give it with your check
                    (made payable to Network for Enterprising Women)
                             to the Membership Chairman

                                              OR

                                            Mail to:

                           Network for Enterprising Women
                                  P. O. Box 101165
                             Fort Worth TX 76185-1165
                             ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
                                     817-421-1850
                          www.networkforenterprisingwomen.org

                                  For use by Network Officer:

                   Received $ _________ Date __________ Check # _________
                                       A Thousand Miles in Her Boots: Colonel Kim Olson,
                                        author of Iraq & Back: Inside the War to Win the
                                             Peace, tells us about her experiences
      Colonel Kim Olson                              as a commander in Iraq.

                    Sponsored by Network for Enterprising Women
                         at the Fort Worth Botanical Gardens
                    Thursday March 22, 2007, 7:00 p.m. to 9:00 p.m.
                     $20; RSVP: 817-360-5209 or JGWTx@aol.com
                        www.netowrkforenterprisingwomen.org


             March
            Birthdays
  Pearl Hunt                 March       2
  Suzanne Zeinfeld           March       3
  Amy Jennings               March       7
  Mary Spradlin              March       21
  Victoria Wallace           March       26
  Eugenia Andrews            March       31

               HAPPY                                                           RESIDENTIAL BROKERAGE

             BIRTHDAY!                                                         (817) 989-4839 DIRECT LINE
                                                                               (817) 737-8315 FAX
                                                                               (817) 504-6104 CELL
                                                                               dorisrichardson@coldwellbanker.com

Thanks, Susie Munoz, for providing copies                                      3400 Bernie Anderson
  of the newsletter at no charge AGAIN.                                        Fort Worth TX 76116
                                                     DORIS RICHARDSON          www.cbdfw.com/dorisrichardson
                                                              ®
                                                    REALTOR                          Owned And Operated By NRT Incorporated
                                Munoz
                          Susie Munoz
                          Copy Center Specialist


                          Staples ®                                       SANDRA C. TYE
                     sm   1660 University Dr.
        that was easy.    Ft. Worth TX 76107                      ENROLLED TO PRACTICE BEFORE THE
                                                                     INTERNAL REVENUE SERVICE



                          (817) 336-1616 Tel.
                          (817) 336-1567Fax          4417 RIDGETON RD.                                    sctye@juno.com
                                                     FORT WORTH, TEXAS 76116                                (817) 732-8032
                                                                                                Newsletter
                                                                                                Advertising
                                                                                                  Rates
                                                                                               Business card
                                                                                              ad for members

                                                                                               1 month - $12
                                                                                               6 months - $60


                                                                                              ~ MEETINGS ~
                                                                                              Friday mornings
                                                                                                    at the
                                                                                              7th Street Grill.
     The Network for Enterprising Women                                                          at 7:30 a.m.

    Monthly Newsletter is available online at:                                             See pg. 3 for address
          www.networkforenterprisingwomen.org                                                  & directions



NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


        Notable Quote




    Beloved, you are my sister, you are
    my daughter, you are my face; you
    are me.
                         Toni Morrison

If you have any ideas or an article for the newsletter, please send an e-mail to: newsletter@networkforexecutivewomen.org.
                                  The deadline each month is the 15th of the previous month.
                                                 April
                                                                                                  INSIDE THIS
                                                 2007                                               ISSUE:
                                               Newsletter
                                                Volume 30, No. 4                                 Retirement
                                                                                               Account Spring
President’s Message                                                                               Cleaning
Judith Wells                                                                                         Betty Poage
                              The Future is Looking Good!                                      Revolutionizing
                                                                                                Senior Care
                         Well, it’s been a busy month for Network for                               Chary Horton
                         Enterprising Women. We successfully moved
                         our morning meetings from Ol’ South to The                             Success Steps
                         7th Street Grill at 7th Street and Lamar in
                         downtown Fort Worth. If you haven’t ventured
                                                                                                 for Work &
                         downtown to our new meeting place, I                                     Purpose
                         encourage you to do so. Parking is plentiful                              Frankye Bruce
                         and free until 8:00 a.m. If you don’t want to
                         park on the street, park for free in the Fort                            ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
Worth Club parking garage. The food is good and coffee is plentiful
in both caffeinated and decaffeinated blends. Our new feature, Member
Spotlight, has provided wonderful insight into our members’ interests
and businesses that I, for one, did not know. For instance, did you                                UPCOMING
know that the products that Macy Missildine sells are all animal-testing                            EVENTS:
free? Or that Taylor Stephens-Parker will come to your house and
consult with you on how to make the most out of your landscape?
                                                                                                    April 1
Network had a good showing at the kick-off for Women’s History Month                           Race for the Cure
on Saturday, March 3rd. Kay Wright helped me set up a fantastic booth.
Mary Clark provided an outstanding young female pianist to set the             April 9
right mood for the event. We were all especially proud when Col. Kim    Network at Night
Olson, our Women’s History Month honoree, was presented to the
crowd. Members were wowed by the presentations of our three brave
and outstanding female members of the United States armed services,
Col. Kim Olson, Master Sgt. Ruth Lewis, and Marine Sgt. Maria Baca. From everything I’ve been told,
the evening was a success and everybody thoroughly enjoyed hearing from these wonderful women. I
sure would have loved to have been there and participated. You don’t know just how much I wished I
could have been there.1

We finished up the month with “Our Moving on Up” breakfast on the 23rd. I understand there was a good
turnout. Congratulations to Taylor Stephens-Parker who won the free membership for 2008! I sure
would have loved to have been there. You don’t know how much! (Continued on Page 2)

1
Your President was ignominiously tossed by her startled horse on Wednesday, March 21st severely spraining her back. Note to self:
Never get too comfortable on a horse.
President’s Letter (cont’d.)


Next month, mark your calendars for the beginning of Network at Night. Network at Night will be held on
the second Monday of each month at 5:30 p.m. at Winestyles located in the Montgomery Plaza shopping
complex. Our inaugural Network at Night is Monday, April 9th at 5:30 p.m. We will be asking for
reservations. Cost is $5.00 to cover the cost of the hors d’oeuvres. You are responsible for buying your
own wine, coffee, tea, or soda. There will be a brief business meeting followed by what we do best -
Networking! If you find at the last minute that you can come and haven’t made a reservation, please
come anyway. We want you there!

Network has ventured out into new territory. The future is looking good. Come along for the ride.
Spread the word! It’s beneficial to you and your business! It’s fun! It’s Network!


Race for the Cure




                                                                In Memory of
                                                                 Ellen Roddy
                                                              Ann Capps Trussell
                                                                and Honoring
                                                                  Kay Yount

Ladies,

I ask that you participate in Network’s effort to remember our members who succumbed to breast
cancer, Ellen Roddy and Ann Capps Trussell and to honor member Kay Yount, who is a survivor, by
walking the Komen Race for the Cure Tarrant County 5k.

It’s an HOUR walk. If you can walk for an hour at your normal pace, you can walk the 5k. Please join the
Network for Enterprising Team by going to the web site below. April 1st is the deadline. The cost is
$30 and you get a free t-shirt! Let’s do it for Ellen, Ann, Kay, and all of our sisters who have waged war,
been waging war, and will wage war on this horrible disease!

   https://secure2.convio.net/tcrfc/site/TRR/420493851?JServSessionIdr004=52yx7b7ks2.app13a

                                    Or go to: www.komentarrant.org
                                       Click on Register Now
                                  Click on Join an Existing Team
                Enter NEW or Network for Enterprising Women for the Team Name
                              Hit Search and then take it from there!

Thanks!
Judith
Finances

Time for a Little Spring Cleaning of Your
      for                            Your
 etirement
Retirement Accounts
Consolidating retirement plan assets offers some unique advantages
By Betty Joy Poage, Financial Advisor, H&R Block Financial Advisors

Spring is a great time for investors to take a break from cleaning out the garage and spend some time
organizing their most important assets — their finances. According to the U.S. Department of Labor,
individuals born in the later years of the baby boom held an average of 10.5 jobs from age 18 to age 40.
Due to the high job turnover rate in the United States, when many people leave jobs they often don’t
know how to transfer their retirement plans to their new jobs. By consolidating retirement accounts,
investors can help reduce fees, penalties and taxes paid.

Investors balancing multiple retirement accounts may want to think about rolling over old accounts into
a rollover IRA. A rollover IRA is the only type of account investors can transfer most of their retirement
accounts into, including 401(k), 403(b), other IRAs, and 457 accounts. Consolidating retirement plan
assets or “rolling them over” into an IRA, offers some unique advantages:
    • Simplified management, viewing, and tracking of a retirement portfolio
    • Increased investment options
    • Increased control over accounts
    • Reduced costs associated with multiple accounts

Due to busy lifestyles, few investors have time to manage their investments properly. This becomes an
even larger problem when they are forced to manage multiple plans from multiple companies. By
transferring investments into an IRA, investors can reduce the amount of paperwork and the number of
people managing their accounts, making it easier to maintain proper asset allocation and to make
portfolio adjustments.

Transferring old retirement accounts into a rollover IRA does not mean that investors have to limit their
investment choices. An IRA can include any combination of investments, such as stocks, bonds, and
mutual funds. An IRA also gives investors more control and often offers more choices than employer
plans. By allowing the investor to make key decisions, an IRA can provide the flexibility needed to create
a retirement plan that is customized to his or her specific retirement needs. Additionally, investors might
be able to avoid multiple fees across various accounts, as gathering assets into a larger sum in one
account my lead to a lower fee category.

There are some drawbacks to owning an IRA, such as:
   • Individuals cannot borrow from an IRA
   • Traditional IRA holders must begin taking distributions by April 1 of the year after you
      reach 70½ years of age whether or not you continue to work. However, consolidation of
      accounts helps simplify this calculation.

Understanding rollover options and the related tax impact is important. Investors should always consult
a financial advisor who can help assess their financial needs and determine whether or not a rollover
IRA is right for them.

Betty Joy Poage is a financial advisor for H&R Block Financial Advisors. Betty can be reached at 817-348-8637
and betty.poage@hrblock.com or at the branch office location of 1300 S. University Drive, Suite 110, Fort Worth,
Texas 76107.
Senior Care

Revolutionizing Senior Care
There is a passion within me to help reframe the way we think about aging and how we care for our
elders. Old age may be a time of loss and decline, but it is equally about the significant increase in the
ability to adapt. The development of this ability is one of the least acknowledged virtues of aging.

When seniors become unsteady, they stay mobile by hanging onto furniture, walking more closely to
walls, or by using a cane. The accompanying word for caregivers is to pay attention to the symptoms,
take precautions (remove scatter rugs, and excess furniture). But please don’t curtail outings, and
socialization.

Our elders often adapt better to situational changes than middle-age adults do. For example, in one
church sited, the seniors grumbled less about a change in the music structure than others. Elders have
had a lifetime of change and have learned to adapt to what comes their way. Today, we idolize being
young, energetic and successful. Contemporary culture has led us to believe that old age is defective,
yet other cultures and ancient writings instruct us to value the wisdom of age and show respect for our
elders. Disrespect is evident when we ignore their presence, do not ask their opinion, or neglect their
care.

There are over 17,000 nursing homes in the US today. Due to our transient society, 66% of people
living in nursing homes have no living relatives close enough to visit and share in their care. To move
from a family environment is traumatic for anyone. When my mother wanted to go to a “retirement
community”, so as not to be a “burden to the kids”, my daddy said, “I want to go to live with someone that
loves me,” and came to live with me.

Residential Care Homes are a concept that’s getting rebirth. The statistics show that seniors thrive in
the hustle and bustle of a family group, regardless if it involves blood relations. Where there are
options for involvement in the life of the community, interest in life doesn’t decrease. Participation in
homemaking tasks give a sense of accomplishment (even shelling pecans, or folding clothes). Being
able to decide when to get up in the morning gives one a sense of autonomy. Having personal belongings
around makes the environment feel like home.

Why would we continue with the same model of care if it’s detrimental to the well-being of our elders,
and society as a whole? The good news is that we are in the midst of a cultural revolution within senior
care. Pioneers have begun to systematically transform practices in many facilities. We are beginning
to recognize and honor elders as complex, growing persons with an equal opportunity for dignity and
meaning in daily life. We now acknowledge the need for spirit, soul and body health. As I enter the
phase of life called senescence (growing into old age), I am increasingly aware of the need to evaluate
and educate about aging concepts. I believe baby
boomers will not be content with current thinking. We
want social and recreational diversity, autonomy and
independence. Reformation and transformation is
in process. There is much work to be done. Will you
join me?

Chary Horton, RN, MA
Hortons Haven Senior Care Homes
(Call or email me for Bibliography)
Success

Success Steps for Work and Purpose
Tooting Your Own Horn
Contributed by Frankye Bruce


Calm self-confidence is as far from conceit as the desire to earn a decent living is remote from greed.
~Channing Pollock


Prepare now for the opportunity to toot your own horn. In today’s workplace, self-promotion is standard operating
procedure and those who do it well get noticed and get ahead. So it pays to be prepared. Get into the habit of writing down
what you accomplish (or keep an electronic file or journal.) Here’s what to keep:

    ♦ Complimentary e-mails and thank you notes. Make file folders called “Professional Portfolio”, one for e-mail,
        one for e-documents and one for hard copies.
    ♦ File away your “To Do” lists in one of these files for easy access when it’s time to do your performance review.
    ♦ Keep a list of all training you and your team or department attend.
    ♦ Keep a list of all actions initiated or solutions designed by you and/or your team or department.
    ♦ Every two to three weeks, write down what you accomplished and your unique skills that contributed to that
      achievement.
    ♦ Can’t think of any accomplishments worth writing about? If you can’t see your value to the company, rest
      assured you’re supervisor can’t either. This is a sign that you need to start adding value or that you need to
      overcome your modesty.

When the time comes to write your self-evaluation, make your case for that primo project, or ask the boss for a raise your
justification will be ready and waiting for you. The bottom line is that you have to consciously work at and plan for self-
promotion because you never know when an opportunity will present itself.

Sublime Solutions
Coaching for Professional and Personal Development
Frankye Bruce~817-874-4006~frankye.bruce@sscoaching.com
Read more Success Steps at www.sscoaching.com,                                          SANDRA C. TYE
                                                                              ENROLLED TO PRACTICE BEFORE THE
                                                                                 INTERNAL REVENUE SERVICE

                    April
                 Birthdays                                          4417 RIDGETON RD.
                                                                    FORT WORTH, TEXAS 76116
                                                                                                                 sctye@juno.com
                                                                                                                   (817) 732-8032



    Sue Wallace                      April 1                        Thanks, Susie Munoz, for providing copies
                                                                      of the newsletter at no charge AGAIN.
    Olga Ferris                      April 9
                                                                                                             Munoz
                                                                                                       Susie Munoz
    Chary Horton                     April 21                                                          Copy Center Specialist


    Sandi Ross                       April 26                                                          Staples ®
                                                                                                       1660 University Dr.
                                                                                                  sm
                                                                               that was easy.          Ft. Worth TX 76107

                    HAPPY
                  BIRTHDAY!                                                                            (817) 336-1616 Tel.
                                                                                                       (817) 336-1567Fax


                                                            -5-
   The Winds of Change
                                                                          ~ MEETINGS ~
                                                                          Friday mornings
                                                                                at the
                                                                           7th Street Grill.
         Network at Night                                                    at 7:30 a.m.
            The Second Monday of Every Month                             7th St. & Lamar in
                                                                             Downtown
                                                                          ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
    Inaugural Meeting Monday, April 9th                                   Monday, April 9
   Winestyles in Montgomery Plaza at 5:30 p.m.                            at 5:30 p.m. at
                                                                           Winestyles in
                 Cost is $5 per person                                   Montgomery Plaza
    Hors d’oeuvres will be served - Drinks are extra
         Reservations are requested - Ann Dunkin
     ann@paralegalsplus.com by 5:00 pm Thurs. , April 5th.
        Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


     Notable Quote




      “I am easily pleased with
      the very best.”
          Sir Winston Churchill

                      The Network for Enterprising Women Monthly Newsletter
                    is available online at: www.networkforenterprisingwomen.org
                                                May                                           INSIDE THIS
                                                2007                                            ISSUE:
                                              Newsletter
                                               Volume 30, No. 5
                                                                                             Equities or
                                                                                            Equity Mutual
President’s Message                                                                         Funds: Which
Judith Wells                                                                                   fits your
                                           Humming Along                                     investment
                                Network for Enterprising Women continues                         style?
                                to hum along with all the changes the                            Betty Poage
                                membership voted in. Network at Nite, our
                                newest event, began April 9 th at the
                                Winestyles located in Montgomery Plaza.                       This I Know
                                By all accounts, it was a wonderful evening.                  Judith Clements

                                Missing members showed up and renewed                         ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
                                acquaintances. We had visitors who are
                                interested in our club. The wine flowed and
                                a good time was had by all. Remember                           UPCOMING
                                this is now an ongoing event.                                   EVENTS:
Network at Nite happens the second Monday of each month at 5:30
p.m. The cost is $5.00 plus the cost of your beverage. If you are not                           Network at
a wino, beer, water, coffee, and sodas are available. Hope to see you
there on May 14th.                                                                                Night
                                                                                                 May 14
Network has really shined for me this month. What would I have done
without the wonderful support my family and I have received from so
many of you? Words do not adequately express the profound gratitude
I have for each of you who has sent cards, brought food, stayed with me so my family could have a
break, telephoned and sent e-mails. All of this has helped me stay cheerful and focused on getting well.

Most of all it has made me realize how much Network means to me. I look forward to getting back on my
feet and making Friday morning meetings. I hope to see each of you soon!


On Monday evening, April 9th, thirteen members + two very welcomed guests, Susie Munoz* and Lynn
Edwards,** all contributed to an evening of laughter and special memories as we initiated our very first
“NETWORK at Night” event...AND as an extra bonus, we were excited to celebrate Olga Ferris’s birthday
with her. Really, it was great: a group of extraordinary women honoring each other with wit and wisdom.
Now, isn’t that just what you would expect from a NETWORK of Enterprising Women?

Judith Clements
*Susie Munoz.... Many of you know her as our good fairy at Staples.
**Ann Edwards..Judith Wells’ sister-in-law, from Arlington, shared the details of our president’s dilemma.
Finances
Equities or Equity Mutual Funds:
Which fits your investing style?
By Betty Joy Poage, Financial Advisor, H&R Block Financial Advisors

Today more people own equity investments-that is, individual stocks or stock mutual funds-than ever
before. But which type of investment is right for you? There is a difference.

Before you decide to invest in one or the other, you should understand what stocks and mutual funds
are, their benefits and risks, and how owning them may fit into your investment plan.

Individual stocks represent ownership in a corporation. An equity mutual fund is a collection of stocks
chosen and monitored by a professional fund manager. The decision to invest in one over the other
depends on many factors. Below is a table that helps highlight some of the critical differences.

                                     Equity Funds                        Stocks
            Gains                   No Investor control over             Turnover controlled by the investor
                                    turnover, which could result         Maximum tax on the gain is 15% if
                                    in short-term gains taxed at         held for longer than one year in
                                    up to 35%.                           taxable account.
            Expenses                Management fees, 12b-1 fees,         No annual fees to hold stocks.*
                                    loads and turnover costs can
                                    add up.*
            Managers                Professionals watch the              Typically, no portfolio manager.
                                    fund performance.
            Diversification         Most funds own over                  Investment in fewer companies could
                                    100 different issues or more.        Equal more risk.
            Focus                   You can focus on a strategy,         You choose the company.
                                    style or size rather than a
                                    single company.
           *Account maintenance and/or transaction fees may apply.


Stocks and equity funds, however, do possess some similarities. For example, their value may
fluctuate due to:
       *News about a company or industry           *Economic news
       *Changes in interest rates                  *Analyst’s recommendations
       *Politics                                   *Investor confidence

Inflation and Investing
With inflation consistently eroding the purchasing power of a dollar, a year from now a dollar will be
worth less than it is today. Inflation is an economic term used to describe the gradual tendency of prices
to rise over time. Investing can help stave off its negative effects. Equity investments have historically
outperformed inflation by a wide margin.
                                                       Inflation rate (Consumer Price Index)                    2.5%
As the chart indicates, the average yearly inflation Dow Jones Industrial Average
rate over the last 10 years has been 2.5%. Both 10-year Annualized Return                                       8.6%
the Dow Jones Industrial Average and the S&P 500 S&P 500
have more than made up for the negative effects 10-year Annualized Return                                       8.1%
of inflation, with 10-year averages of 8.6% and Source: H&R Block Financial Advisors. Data is for 10 year period ending
8.1% respectively.                                     November 30, 2006. D.J.I.A. and S&P 500 indicate nominal returns.
Finances (cont’d.)

Who is investing in mutual funds?
Nearly 50%, or 53.3 million, U.S. households own mutual funds, according to the Investment Company
Institute. That’s more than double the number of households that owned mutual funds in 1990 and a
500% increase from the 9 million households that owned funds back in 1982.

Even the stock market downturn did not affect ownership dramatically. Ownership barely declined three
percentage points since 2001. Why have mutual fund investors stayed the course during this volatile
period? Perhaps it’s because they appreciate some of the advantages that mutual funds have to offer.

Diversification. Diversification is a critical component of a sound investment strategy. Spreading risk
has the potential to offset losses from some securities with gains in others. Mutual funds can offer a
convenient and economical way to achieve diversification in a portfolio. They typically include many
different securities. Please keep in mind that diversification does not protect against investment losses
in declining markets.

Flexibility. There are thousands of mutual funds to choose from. Depending on your investment risk
tolerance, there is probably a mutual fund that could fit your unique needs.

Professional management. Actively managed funds employ professional investment analysts and
advisors who research, select, and supervise fund assets, in an attempt to generate investment returns
that meet the fund’s objectives.




                     Source: Investment Company Institute


What’s next? Your advisor can help.
Most of us wouldn’t buy a new car just because it looked good in the brochure. We would do a thorough
test drive first. We’d look for a history of performance. We’d examine the reviews. We’d look for hidden
costs and rebates. Investing in stocks of mutual funds requires the same careful investigation.

You need to do more than give the stock or mutual fund a surface-level review before investing in it.
Knowing that it has been a performer in the past isn’t enough to warrant financial risk. You need to
understand how the company is performing today or what’s inside the fund’s portfolio today. (Cont’d. on
next page.)
                                               -3-
Finances (cont’d.)
This type of information helps set realistic expectations for your investment. And numbers alone don’t
tell the whole story. There’s more to investing than statistical data. As your advisor, I can help identify
nuances that indicate whether a stock or mutual fund might be appropriate for your specific needs. For
example, by accessing the experience and knowledge of the H&R Block Financial Advisors Investment
Management Department, I can help:

  !    Determine how different stocks and mutual funds perform under different economic conditions
  !    Select a stock or mutual fund that matches your tolerance for risk
  !    Tailor an asset allocation strategy that is in line with your investment objectives

By staying up to date on the various market trends, I can provide insights and information that could help grow and preserve
your wealth. Our team studies many factors about a specific mutual fund before a recommendation is made. These factors
include, but are not limited to:
*risk level                               *relative performance to peer funds              *minimum investment
*total return                             *fund company’s tenure in business               *total assets
*reputation of fund company               *fund performance compared with an index *portfolio turnover rate
*investment goals                         *price per share                                 *the fund manager’s professional
                                                                                             background
*companies in which the funds invests     *the fund manager’s investment style

Schedule a Financial Checkup
Choosing the investments that best match your needs requires taking a look at the big picture. Neither
individual stocks nor equity mutual funds are better than the other. Many investors own both.

Investing for the long haul requires patience and a long-term investment strategy. You may prefer
individual stocks for the control, the ability to select specific stocks and the potentially lower annual tax
burden. Other investors often prefer mutual funds for the inherent diversification. Again, it depends on
your investing style and unique situation. Perhaps it’s time to conduct an investment planning interview.
An in-depth interview allows your financial advisor to learn if there are any changes in your financial
situation and to address both your long-term goals and immediate needs. You should cover the key
issues for investing, such as your time horizon, risk tolerance, tax situation and income needs.

Betty Joy Poage
H&R Block Financial Advisors
817-348-8637
Investment services and securities products offered through H&R Block Financial Advisors, Inc.
members NYSE and SIPC, a subsidiary of
H&R Block, Inc. H&R Block is not a registered            Thanks, Rufus Huckaby, for providing
broker-dealer.                                           copies of the newsletter at no charge.
                                                                                                                               Rufus Huckaby
                                                                                                                                        kab
                                                                                                                                     Hucka
                                                                                                                               General Manager
           H&R BLOCK
           financial advisors                                                                                                  Staples ®
                                                                                                                          sm   1660 University Dr.
                                                                                                             that was easy.    Ft. Worth TX 76107
           Betty Joy Poage
           Financial Advisor


           1300 South University Drive Suite 110
           Fort Worth TX 76107-7500                                                                                            (817) 336-1616 Tel.
           Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883                                                            (817) 336-1567Fax
           Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,



                                                                                                       -4-
This I know…………….
There is very little I know for sure, however, there are a lot of things I have learned well along the way to
where I am today and, after being encouraged several times by Lucurtis Williams, I have agreed to
include some of my thoughts in the newsletter.

First, I’d like to begin by quoting a phrase we hear often; “If it sounds too good to be true, it is.” What if,
it sounds too good to be true and it is…true! How great would that be? What if we ignored our first
inclination to discount something we were suspicious of and it turned out to be a thrilling experience, an
opportunity we almost missed because we expected the outcome to be less than perfect? What if?

Along a similar train of thought, years ago, as a young mother, I was accused as follows: “Oh, Judy, you
wake up everyday thinking it’s going to be a good day.” They were right, I did, and I still do…..Guess
what? My days are pretty darn good. Hello! It’s called positive expectancy. Of course I have days when
crawling back under the covers sounds more appealing than facing the world of reality filled with bills,
laundry, career challenges, dandelions, and what seems to be endless family concerns. Honestly, I have
had more of those days than I want to remember, so I just (to quote Ann Dunkin) “put on my big-girl
panties and handle it!” Usually, “handling it” includes acknowledging the source of my depression and
this can require a reality check or two. Most of the time I just stop, take the deepest breath my lungs are
capable of and make the conscious decision of whether I want to continue the lousy day or not. Can you
see how that would encourage you to be less of a victim? There is something very therapeutic about
staring a situation in the face and then steering yourself past it. Try making the decision to have an
intentionally rotten day and see how long it lasts…not very long. Think about it, do you really want to go
out and have a bad day..... on purpose?

Judith Eads Clements

P.S. Oh yes, this I know, it’s really smart to have a good counselor’s phone number committed to
memory just in case.



                                                        Newsletter Advertising Rates
                  May                                      Business card ad for members
               Birthdays                                          1 month - $12
  Taylor Stephens-Parker               May 6                      6 months - $60
  Myra T. Goodwin                      May 8
  Janet M. Brown                       May 16

  Missed April Birthday
  Susan Herman                         April 6
                  HAPPY
                BIRTHDAY!
                                                     -5-
    The Winds of Change
                                                            ~ MEETINGS ~
                                                             Friday mornings
                                                                   at the
                                                              7th Street Grill
             Network at Nite                                    at 7:30 a.m.
            The Second Monday of Every Month                7th St. & Lamar in
     Mark your calendars, you want to remember the date!        Downtown
                                                            ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○

                                                             Monday, May 14
                    Monday, May 14th                          at 5:30 p.m. at
    Winestyles in Montgomery Plaza at 5:30 p.m.               Winestyles in
                                                            Montgomery Plaza
                    Cost is $5 per person
    Hors d’oeuvres will be served - Drinks are extra

          Reservations are requested - Ann Dunkin
      ann@paralegalsplus.com by 5:00 pm Thurs., May 11th.
         Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


      Notable Quote




   “Real integrity is doing the right
   thing, knowing that nobody’s going
   to know whether you did it or not.”
                        Oprah Winfrey
                                       June                                INSIDE THIS
                                       2007                                  ISSUE:
                                     Newsletter                           Corporate
                                      Volume 30, No. 6                    Finances
                                                                        Remain in Great
President’s Message                                                        Shape
Judith Wells                                                                  Betty Poage
                           See What Network Can Do
                        “And what is so rare as a day in
                                                                            This I Know
                        June? Then, if ever, come perfect days…”           Judith Clements
                        penned James Russell Lowell. I think
                        perfect days, or as near perfect as we can       Change: Is it a
                        make them, are ahead for Network. We
                        have had two outstanding Network at Nite           Pain or a
                        events. Last month, about 20 women                 Welcome
                        attended. The food was plentiful, beautifully
                        presented, and tasty. Apparently, Network          Change?
                        likes wine. Winestyles and Network are              Ann E. Dunkin
                        looking like a beautiful fit. If you haven’t
                        attended one, please calendar June 11th
and every second Monday thereafter for Network at Nite at Winestyles         Elder Care
at Montgomery Plaza. Give it a try!                                          Chary Horton
                                                                           ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○

Your board is hard at work. We went outside our box one Friday
morning this month and had a speaker with the help of a PowerPoint
                                                                            UPCOMING
presentation briefly tell us about the recent successes of the Fort Worth    EVENTS:
ISD. It was very informative and well received. Although we don’t
anticipate making this a weekly or even a regular thing, it was a nice    Network at Night
departure from the norm. We probably will do it again on a limited
basis. I think the best thing we are doing is the member spotlight each       June 11
week. We learn so much about each other this way. It’s amazing
what you can learn about another member and her business in only five short minutes. Come join us,
so we can learn more about you!

We appreciate the hard work and accommodations that Sandy, the owner of the 7th St. Grill, has made
for us, including offering decaf coffee and various menu items that members love. We also appreciate
Sandy allowing us to use her room for free. Please come one Friday, order breakfast, and see what’s
N.E.W. at the 7th St. Grill!

Finally, the Board is getting so comfortable with the new changes that we are ready to consider other
endeavors. Proposals that have been made, and that are under consideration, are: holding an event at
the Texas Motor Speedway Club, becoming FW ISD mentors, and sponsoring an educational event.
The Texas Motor Speedway Club event was dropped into our lap when Debra Mallouk, the Speedway
Club director, attended Network at Nite and made the offer to Judy Clements. See what networking can
do? See what Network can do? Come see what’s N.E.W.!
Finances

Corporate Finances Remain in Great Shape
   pora Finances Remain Grea Shape
Corpor                         eat
Submitted by Betty Joy Poage, Financial Advisor, H&R Block Financial Advisors

                                              Market Data
                                              As of 05/15/07

Dow Jones Industrial Average……..13383.84                  +7.4%
S&P 500…………………………… 1501.23                                +5.8%
NASDAQ Composite……………… 2525.30                            +4.6%

It’s been an interesting year for U.S. stock markets thus far. The major indices swooned in February as
investors worried about the sub-prime mortgages, weak economic expansion and slower corporate
earnings growth. Investors put those concerns behind them in April however, as Corporate America
reported stronger than expected first quarter profit results. Actual growth of approximately 8.2% looks
set to easily outpace the forecast growth of +3.7%. A welcome surprise indeed, but is the 4.3% price
gain posted by the S&P 500 in April justified given that the path ahead is still fraught with challenges?
This scenario has many investors wondering if it may be time to adhere to the old stock market adage
of “sell in May and go away.”

Despite the perceived near-term challenges, our strategists believe trying to “time” the market in this
fashion is rarely a fruitful strategy, or one that we recommend. We believe there are better alternatives
to potentially mitigate some of the near-term risks and strategies that we feel could potentially offer
more sensible alternatives. Remember another old stock market adage, “the market climbs a wall of
worry.”

While doubts about the economy multiply, one clear and virtually indisputable financial fact stands,
corporate finances are in great shape, according to Milton Ezrati, a senior economic and market strategist
with Lord Abbett. Of course not every company can boast about its balance sheet, but the corporate
sector as a whole is in better financial condition today than in years—and by some measures, in decades.
In his latest column, “Corporate Finances Remain in Great Shape,” Ezrati writes that these positive
conditions should foster at least some strength in future capital spending on new plants and equipment;
sustain the present high level of share repurchases; support continued high levels of merger and
acquisition activity; and provide a favorable background for future equity advances. Among his
observations:

       •    When one calculates the difference between the growth of corporate assets and the
           growth of liabilities, it becomes clear how much matters have improved during the
           recent decade. Since 2002, asset growth has outpaced liabilities growth, something
           that seldom ever happened during the past 60-plus years, especially for such an
           extended time.

       •    The recent surge in assets growth above liabilities growth has acted as a particular
           tonic to the expansion of corporate net worth. Recent growth rates in net worth challenge
           even the highest of former years, even during the high inflation years. And since rates
           of inflation today are much lover than in those former high-growth periods, the real
           value of this recent net worth expansion surely exceeds anything from this long historical
           period.
                                                    -2-
Finances (cont’d.)

       •    From the mid 1990s, corporations, free from the distorting effects of inflation, began
           putting their financial houses in order. Asset growth began to outpace liabilities growth,
           and an improvement began in financial ratios. Except for a brief lapse during the
           economic weakness in 2001, that pattern has only gained momentum thought this
           decade. Today, the ratios for assets to liabilities and debt to net worth are stronger
           than any time in the past 20-plus years.

While it is true that the bulk of U.S. stock market gains have historically been generated during the
winter months, investors were still well served to remain in the market consistently throughout the year.
Stocks may require a near-term breather following their recent mini-rally in our view, but mostly for the
sake of investor psychology. Overall, market valuations remain solid and recent economic data have
been encouraging, in our opinion. Combined with strong corporate finances, favorable global growth
trends and a positive inflation/interest rate outlook, we believe equities currently enjoy solid underlying
support.


This I know….
I have a special affinity for buttons, the kind of buttons you pin on. You know the ones I mean, campaign
buttons, buttons for holidays, buttons that express the favorite comment du jour. My favorite one is from
the sixties, “Make Love, Not War”…..still sounds like a good idea. My more recent favorite is one that
NETWORK past president, Vonnie Kauffman, says is particularly indicative of my personality, it reads, “I
Want It All” and, indeed, I do.

At first, one might think those words send a message of selfishness,
even conceit, not at all. There are those of us who had parents who
coaxed us on to high ideals and great expectations, they even
convinced us we would be properly rewarded for those lofty pursuits.
However, if you were unfortunate enough to have had someone in
your life who, mistakenly, led you to believe you had no right to aspire
to having “it all” or worse, you did not deserve to have “it all”, you may
have some serious attitude adjustments to make. If you have ever
been on the wrong end of such a message, I ask you to do yourself
the enormous favor of canceling that out of your life, inspire yourself
to get a new set of friends, and, if you must, distance yourself from the
friends/family members who have done you the terrible injustice of
suggesting such a falsehood. Divorcing a hurtful acquaintance takes a lot of courage; it is difficult and
scary at the same time. Further, such an undertaking requires some serious decision making, practice,
a good amount of patience, and, many times, thoughtful planning with an experienced professional.
Maybe I’ll have a box of my “I Want It All” buttons printed, pass them all out and encourage everyone to
wear them and simply “fake it ‘til they make it”!

                                                                               Judith Eads Clements
This I know… There are a few of us in NETWORK who have been lucky enough to have overcome
feelings of unworthiness, look around, ask for advice from someone you admire; it will certainly be well
worth the effort and time it takes to re-design those self-image doubts.

                                                    -3-
                                                                               jec
Change


Change: Is it a Pain or a Welcome Challenge?
By Ann E. Dunkin

Well known author, William Bridges, has devoted almost his entire career to writing about the transitions
of life. In his book Managing Transitions: Making the Most of Change1 he says, “It isn’t the changes that
do you in, it’s the transitions.” He wisely tells us that change itself is external, but the transition we need
to make is internal.

Any career can be fraught with a wide variety of changes. Businesses grow, expand, reduce in size or
dissolve altogether.

Internal changes such as new software can pose a challenge. The software of choice may not be that
preferred by the individuals within the company; in fact, the original may seem to fit needs far better.
Additionally, staff changes - small or large - can pose a challenge both from the psychological standpoint
as well as the practical assignments of workload.

All these changes, as stated by Bridges, are really external; but the transition is up to you. How will you
“make it” in the best possible way?

Characteristically, it is human to meet the types of changes described earlier with at least some mental
resistance. Three common seeds of resistance are fear, grief and inflexibility. Fear may evidence itself
as being afraid you won’t measure up to the particular change presenting itself. For instance, if a
software change is about to take place, you may fear that you won’t learn the application as quickly or
easily as some of your coworkers. Rhonda Britten in her book Fearless Living2 said:

Fear is the gatekeeper of your comfort zone. Your comfort zone is whatever is familiar to you. As a little
child, your comfort zone was your mother’s lap. You ventured away out of curiosity but scurried back to
safety when you felt threatened. Now your comfort zone is the people you already know, the routines
you’re used to, the places where you feel at home.

Change may also precipitate a grief experience, due to the loss felt as part of the transition. Perhaps the
individuals with whom you’ve worked happily and effectively are leaving the organization; or perhaps
you are leaving with a departing group to form a new business, thereby leaving behind some wonderful
work friends.

While fear and grief may arrive without volition, inflexibility is a conscious choice. In fact, a choice for its
opposite - flexibility - can open doors beyond imagination. The difference between digging in your heals
(in spite of all indications the change could be positive) and keeping an open mind could mean the
difference between being seen as “high maintenance” and being viewed as an even more valuable
team member than previously. Authors James Cabrera and Charles Albrecht, Jr. in The Lifetime Career
Manager3 describe one who does not tolerate change as “...unable to recognize or accept a need to
change until it’s too late for them to react to new circumstances. Such resistance can ruin careers.”

There is no denying that choosing flexibility can mean hard work – specifically putting forth the effort to
set aside opinions and reactions developed over years in a career. On the other hand, think of the relief
of relaxing into the circumstances and simply taking one day at a time while applying your best skills and
professional character.
                                                   -4-
Change (cont’d.)

So what are the advantages of all these psychological gymnastics? Weathering the “storms” of change
- large and small - really does build character. Additionally, there are very likely elements of the change
itself which can expand your knowledge ... and in turn will expand your resume. (Always think of your
resume when learning something new!)

Experiencing and surviving changes also increases personal flexibility skills, which can definitely pro-
vide strength in all aspects of life.

Finally, the law firm employee who meets change with maturity and flexibility becomes more and more
valuable to the firm as an entity, to everyone on the team and to his or her own pride and self esteem.
That value may or may not be measured by dollars and cents; but rest assured it can be measured long
term in enduring career relationships, positive references and the good will created by an employee who
transitioned well.

1
  William Bridges, Managing Transitions: Making the Most of Change (Reading, Massachusetts: Addison-
  Wesley Publishing Company, Inc., 1991) 3.
2
  Rhonda Britten, Fearless Living (New York: Penguin Putnam, Inc., 2001) 23.
3
  James C. Cabrera and Charles F. Albrecht, Jr., The Lifetime Career Manager (Holbrook, Massachu-
  setts: Adams Publishing, 1995) 134.

As Vice President of Paralegals Plus, Inc., Ann is manager of the corporation’s Fort Worth Division. Paralegal
Plus, Inc., established in 1990, offers full staffing and placement services to the legal industry and to the business
community at large from offices in Dallas, Fort Worth, and San Antonio. Ann can be reached at (817) 332-9005
or ann@paralegalsplus.com.



                     The Network for Enterprising Women Monthly Newsletter
                   is available online at: www.networkforenterprisingwomen.org


                                                              Newsletter Advertising Rates
                  June                                              Business card ad for members
                Birthdays                                                  1 month - $12
                                                                           6 months - $60
     Yvonne Ramsel                  June     3                  Thank you, Rufus Huckaby, for providing
     Emelia Hoefle                  June     4                   copies of the newsletter at no charge.
     Keiko Couch                    June     18                                                Rufus Huckaby
                                                                                                        kab
                                                                                                     Hucka
                                                                                               General Manager
     Carolyn Savage                 June     18
     Linda Beranek                  June     21                                                Staples ®
                                                                                          sm   1660 University Dr.
     Betty Poage                    June     27                         that was easy.         Ft. Worth TX 76107


                   HAPPY
                                                                                               (817) 336-1616 Tel.
                 BIRTHDAY!                                                                     (817) 336-1567Fax


                                                        -5-
Elder Care

Elder Care
By Chary Horton

Once again, because my own personal “to do” list is long, I feel compelled to share with you! Elder care
effects all of us, because whether or not we have friends and family in that classification, soon we’ll all
be there! So let’s hold each other accountable to get this check list complete.

-   Living Will or Advanced Directive – This document says exactly what you want it to say. I know
    everyone has specific ideas about what you would want if something catastrophic happened (God
    forbid!) You decide if and for how long you would want life support in terms of artificial ventilation,
    feeding and even antibiotics. Write it in narrative or use a document with check boxes, but please,
    make your wishes known, in writing, with a witness. I have seen many family disputes avoided, when
    a living will is available.

-   Durable Power of Attorney – This is different from the power of attorney that gives authority to
    another for your financial affairs. Durable Power of attorney can be given to the same or a different
    person, and is specific regarding decisions regarding your health care.

-   Support Networks – Educate yourself on the best resources for you and your loved ones. That
    includes insurance, internet, advisors, doctors, and facilities. It’s always wise to take time to visit
    before the need arises. I have seen many decisions that were regretted, because they were made
    in haste. Senior care, or elder advisors are available for you. On a more personal note, set up an
    email and phone list of all yours and your loved ones close friends and relatives.

-   Important information - Keep a file including insurance, social security numbers, medical and
    medication (including vitamims and herbs) history. This file should be readily accessible. EMT’s like
    to see a note on the refrigerator (everyone has one) that specifies where a concise list of these
    documents can be found. One idea is an airtight container to be kept in a refrigerator door shelf –
    easy to spot, in case of emergency.

-   Your “to do” list – Remember, it’s easier to eat an elephant, one bite at a time. If you need help,
    please call me or one of the other members of network that specialize in elder care.

    God bless you with patience and perseverance in your quest.

    Chary Horton, RN, MA
    940.206.1207


           H&R BLOCK
           financial advisors

           Betty Joy Poage
           Financial Advisor


           1300 South University Drive Suite 110
           Fort Worth TX 76107-7500
           Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883
           betty.poage@hrblock.com www.hrblock.com

           Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,
           a subsidiary of H&R Block Inc. H&R Block Inc. is not a registered broker-dealer.
Memorial Day Revisited

         Day         Women
Memorial Day and the Women Behind its History
While Veterans’ Day in November is to honor all those who served their nation in war, Memorial Day is
primarily to honor those who died in military service. This all-American holiday has its roots in the
practice of women of decorating the graves of their loved ones who had died in the Civil War, and was
originally also called Decoration Day. Memorial Day was celebrated on May 30 after 1868; since 1971 it
is celebrated on the last Monday in May, though a few states have kept to the May 30 date.

Commander in Chief John A. Logan of the Grand Army of the Republic issued the 1868 proclamation
declaring the first Decoration Day. He credited his wife, Mary Logan, with the suggestion for the
commemoration. But the idea had its roots in the decoration of the graves of Civil War dead by women,
going back at least to 1864.

On April 25, 1866, in Columbus, Mississippi, a women’s association decorated the graves of both Union
and Confederate soldiers.

In a nation trying to find a way to move on after a war that split the country, states, communities and
even families, this gesture was welcomed as a way to lay the past to rest while honoring those who had
fought on either side.

The first formal observance seems to have been on May 5, 1866, in Waterloo, New York — President
Lyndon Johnson recognized this as the “Birthplace of Memorial Day.”

On May 30, 1870, General Logan gave an address in honor of the new commemorative holiday. In it he
said: “This Memorial Day, on which we decorate their graves with the tokens of love and affection, is no
idle ceremony with us, to pass away an hour; but it brings back to our minds in all their vividness the
fearful conflicts of that terrible war in which they fell as victims.... Let us, then, all unite in the solemn
feelings of the hour, and tender with our flowers the warmest sympathies of our souls! Let us revive our
patriotism and love of country by this act, and strengthen our loyalty by the example of the noble dead
around us....”
   The Winds of Change
                                                           ~ MEETINGS ~
                                                            Friday mornings
                                                                  at the
                                                             7th Street Grill
           Network at Nite                                     at 7:30 a.m.
            The Second Monday of Every Month               7th St. & Lamar in
     Mark your calendars, you want to remember the date!       Downtown
                                                           ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○

                                                            Monday, June 11
                 Monday, June 11th                           at 5:30 p.m. at
   Winestyles in Montgomery Plaza at 5:30 p.m.               Winestyles in
                                                           Montgomery Plaza
                 Cost is $5 per person
    Hors d’oeuvres will be served - Drinks are extra

         Reservations are requested - Ann Dunkin
     ann@paralegalsplus.com by 5:00 pm Thurs., May 11th.
        Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165



      Notable Event




   Betsy Ross and two children
   presenting her sewn flag to
  George Washington and others
                                          July
                                          2007                                    INSIDE THIS
                                                                                    ISSUE:
                                        Newsletter
                                         Volume 30, No. 7                       Save $-Energy
                                                                                   Linda Beranek
President’s Message
Judith Wells
                                   Summer Afternoon                           Tax-Advantaged
                            “Summer afternoon -Summer afternoon...           Savings Programs
                            the two most beautiful words in the English
                            language,” so said British author, Henry
                                                                                for College
                            James, who obviously never spent a                      Betty Poage
                            summer in Texas. I hope this newsletter
                            finds you well and enjoying your summer
                            wherever that is.                                 The Woman Who
                           I’m happy to report that Network at Nite                 Drew
                           appears to be quite a success. Many
                           members who cannot make it to breakfast
                                                                                  the Line
                           are reconnecting with Network on the                    Ann E. Dunkin
                           second Monday of each month at the
                           Winestyles in the new Montgomery Plaza
shopping area on 7 Street. If you haven’t been, Montgomery Plaza
                    th

is the shopping complex that has opened in the last year where the
old Montgomery Wards used to be. Macy Missildine came to enjoy                     UPCOMING
some non-alcoholic beverages and went away with numerous and
humorous stories about children’s quests to learn where babies came
                                                                                    EVENTS:
from. We wish Macy a wonderfully easy labor and delivery in early
July! I understand that Judith Clements closed the place down at 8:30
p.m. If you have not yet attended, please put Network at Nite on your         Network at Night
calendar for July 9th. Reservations are requested, but not required.1             July 9
We meet at 5:30 p.m. but arrive at any time that fits your schedule. I
understand the Wine-a-ritas are yummy!

I want to remind the membership that Network has chosen to be a sponsoring organization of the
“Hattitude… Hats Off to Women!” Women’s History Month Celebration for the last two years. Sarah
Walker and I have been “holding down the fort” so to speak with respect to Network’s participation. I
have posted a notice in this month’s newsletter soliciting help. The Hattitude committee will start holding
monthly meetings probably beginning in August. Network will be assigned a major task to contribute to
the event. I will commit to once again attend these meetings, but will need other types of assistance.
Additionally, we will hold our signature event, as part of Women’s History Month, on the third Thursday
of March, 2008. For that event, we need a committee to help choose our speaker, plan the food, and
plan the marketing. The speaker needs to be chosen by October. We already have one woman’s name
submitted as a possible speaker. It would be nice to have other submissions so we have the opportunity
to explore several ideas for that event. Please consider helping with this event either with your ideas,
your time, and/or your attendance. (Cont’d. on pg. 2)
1
 To make a reservation, e-mail Ann Dunkin at ann@paralegalsplus.com and put “Network at Nite” in the reference
or subject line.
President’s Letter (cont’d.)

You’ll notice, if you read the rest of the newsletter, that I am attempting to resurrect “Tidbits,” the collection
of comments noted at breakfast. Chary Horton requested that we try to include “Tidbits” once again since
she no longer can come to breakfast. I don’t claim to be able to do as good a job with it as Jeannie
did, but I will give it my best shot. For one thing, I find myself getting caught up in the goings-ons of the
morning and forget to write stuff down. I had that problem when I was Secretary too! Secondly, I have
to remember where I wrote things down or get a system going. So this month, it’s a little on the sparse
side, but I have to start sometime and somewhere. If there is anyone out there who would like to do
write the “Tidbits” column or would consider sharing the job with me, I would welcome your assistance.
Give me a call or e-mail me.

Happy summer to all of you! Be safe! Come see what’s N.E.W.!
Linda Beranek Letter
Ladies,

I’ve spent the past few months reinventing myself, yet again, after Williams Trew put me out to pasture.
As with any change, it has been a major growth experience and I’ve tried to embrace it as such. My
consulting company, Milgros Consulting, focuses on assisting clients with their relocation and real
estate issues. I find myself being led toward the very issue that touches me the most, the environment.
I’m working with one client who is set ting up his business as a Eco-broker and I’m helping with all his
policies and procedures. Another potential client builds and retrofits homes to be more environmentally
friendly.

What I would like to do in each issue is offer a couple of thoughts about how we, as enterprising women,
can change our own environment for the better.

Look at your home because there are lots of opportunities to save yourself money and affect the
environment while you are doing so:

1) Replace your 5 most frequently used bulbs with Energy Star qualified light bulbs. They use 75% less
energy, last up to 10 times longer and can save you up to $60 a year. Home Depot is really into these
bulbs and have a large selection.

2) Install an Energy Star programmable thermostat. It will reduce greenhouse gases and can cut heating
and cooling costs by $150 a year. Home Depot has them for around $50.

3) If you are painting, inside or out, look for paint that is low in volatile organic compounds (VOC’s).
These paints emit fewer pollutants and have less odor. They will improve the quality of your air, whether
used indoors or out ,and allow you to reoccupy a room sooner.

For around $100 you could accomplish the first 2 steps - new light bulbs and a programmable thermostat.
Save yourself $$ and help out the environment. This is not a political issue, it is a life issue. If we don’t start
addressing our environmental needs, our grandchildren and their children will pay for our laziness.

I wanted to share a poem that I found which I think most of us could find the words meaningful at some
point in our life. (cont’d. on page 3)

L. D. Beranek, SCRP
Milagros Consulting
“Small Miracles in Real Estate & Relocation”
                                                       -2-
Linda Beranek Letter (cont’d.)                         Book Review


  GETTING ON WITH IT                                       THE WOMAN WHO DREW THE
  by Grace Butcher                                         LINE
                                                           by Zig Ziglar
  When the heart stops oozing blood and the
  outpouring is clear as water (so to speak)               You’ve probably never heard of Dr. June
  then you know you’ve turned the corner &                 McCarroll, but she’s truly a woman who left her
  will be well.                                            mark on the world.

  When you look inward and all the pathways                Born in Nebraska, she was a general practitioner
  are no longer dark, but clearly lighted & shine          that lived in California. Interestingly enough,
  like transparent drinking straws, then you               her claim to fame lies outside the world of
  know you’ll find your way alone.                         medicine. An accident was the trigger that got
                                                           her thinking about making our highways safer.
  When the gray morning has nothing to do                  Her car was side-swiped, and she determined
  with you and doesn’t weigh you down like a               to do something about cars that crowded others
  heavy blanket, then you know that moving                 off the road.
  will be easy again and your body will flow
  through time like the river it really is, smooth         Driving on a road that bulged down its center,
  and deep, no rocks, no shallows to smash or              Dr. McCarroll noticed that the bulge helped to
  catch you, keep you from moving on.                      keep motorists on their own side of the road.
                                                           That gave her an idea. She tried persuading the
  When the heart slows to its normal rhythm                town council to “paint a line down the middle
  and the beauty of a birdsong at dawn                     of the road” to set an example and “lead the
  doesn’t make you cry because you are alone               nation in public safety.” She got the typical
  listening, then you know that everything                 bureaucratic response.
  has happened that is going to for now, and
  you can get on with your life and everything             However, she was someone who would not take
  about it that was yours alone and always finer           no for an answer. So she took her idea to the
  than anyone could ever imagine it would be               local women’s club. The vote was unanimous
  without him.                                             in support of the project. Still, she continued to
                                                           face bureaucratic stubbornness for seven long

     Power Tools for Life                                  years before her idea was implemented.

                                                           In 1924 the California Highway Commission
                                                           agreed to experiment with a centerline on two
 1. Pay attention                                          sections of Route 99. Accidents on both test
                                                           stretches diminished dramatically, and soon
 2. Speak the truth                                        the entire state boasted McCarroll lines on its
                                                           highways. Most of the world has since followed
 3. Ask for what you want                                  suit.
 4. Keep your promises                                     Message: When you conceive an idea in
 5. Be accountable for your actions                        which you fervently believe, go after that idea,
                                                           especially if people you respect believe it’s a
 6. Strive to create value in all things                   good one...


                                                     -3-
Financial Wisdom


Tax-advantaged Savings Programs for College
Saving for your child’s or grandchild’s education has never been easier

By: Betty Joy Poage, Financial Advisor, H&R Block Financial Advisors


The cost of a college education gets more expensive every year. The average annual cost for a four-year
public college for the 2005-2006 school year was $12,127, according to a study by collegeboard.com.
And private colleges cost over twice as much. Although saving for college may seem like a daunting task,
it is a goal that is within reach for families today, especially if they start saving early in a tax-advantaged
way.

Over time, federal and state taxes can claim up to 25 percent or more of an investor’s return. With tax-
advantaged education accounts, earnings grow tax deferred and withdrawals used for qualified education
expenses of the designated beneficiary are free from federal tax. College savings strategies you may
want to consider include:

529 Savings Plans
These state-sponsored plans offer two savings options:

•	     Pre-paid tuition plans “lock-in” today’s college tuition rates at eligible public or private colleges.
       Credits for education costs are purchased and a list of participating schools is established by the
       state.

•	     College savings plans allow investors to contribute to an account and build earnings to pay for
       post-secondary education costs. The state selects a financial institution to manage its plan and
       handle the investments. Investors typically can choose from several investment options with this
       type of plan and use the funds at any accredited school.

Coverdell Education Savings Account (ESA)

ESAs allow you to use savings for a child’s primary, secondary, and college education and are treated as
an asset of the beneficiary, which may affect financial aid eligibility. Up to $2,000 per year per beneficiary
under the age of 18 may be contributed when the investor’s modified adjusted gross income is less than
$100,000 if single or $220,000 if married. The money must be spent on qualified expenses no later than
the beneficiary’s 30th birthday.

Uniform Gift/Transfer to Minors Accounts (UGMA/UTMA)

These accounts allow you to establish a savings or investment account in a child’s name with one adult
named as custodian. Ownership of the account shifts to the child when he or she reaches the age of
majority in the state where the account is established, which may affect eligibility for financial aid. Funds
may be used for expenses beyond college to benefit the child, like wedding expenses or the purchase
of a first home. These accounts have no contribution limit, and contributors are not subject to income
limitations. Contributions of $11,000 a year per child can be made gift-tax free, and the first $750 of
earnings on these accounts is generally tax-free.

                                                     -4-
Miscellaneous

                 June 6, 2007
                                                                 Notice!
        Congratulations                           The Board of Directors of Network is looking for
                                                  volunteers to assist with Hattitude… Hats Off to
      to Network Member                           Women! Women’s History Month Celebration
                                                  2008 sponsored by, among others, the Fort
         Sharon Ward                              Worth Public Library. The planning committee
                                                  will start meeting once again in August or
            who just                              September. Requirements: Willingness to
                                                  assist with all aspects of Network’s commitment
          retired from                            to the event. Assist with planning of the
                                                  Network’s signature event the third Thursday
      Kaiser Permanente!                          in March at the Botanical Gardens.

                                                  Additionally, the Board of Directors is looking
                                                  for submissions for a wonderful speaker for
                                                  Network’s signature event the third Thursday
                                                  in March at the Botanical Gardens. We have
                                                  one submission of Cindi Broaddus, author of “A
                                                  Random Act.” We need to make this decision
                                                  by October.

                                                  Contact Judith Wells either by phone at
                                                  (817) 360-5209 or e-mail her at JGWTx@
                                                  aol.com.

                   The Network for Enterprising Women Monthly Newsletter
                 is available online at: www.networkforenterprisingwomen.org


                                                   Newsletter Advertising Rates
                   July                                 Business card ad for members
                Birthdays                                      1 month - $12
                                                               6 months - $60
  Nina L. Carty                  July 3             Thank you, Rufus Huckaby, for providing
  Diane Roffey                   July 9              copies of the newsletter at no charge.
                                                                                  Rufus Huckaby
  Mary Clark                     July 20                                          General Manager


  Judith Eads Clements           July 28                                          Staples ®
                                                                                  1660 University Dr.
                                                            that was easy.   sm
                                                                                  Ft. Worth TX 76107


                  HAPPY
                                                                                  (817) 336-1616 Tel.
                BIRTHDAY!                                                         (817) 336-1567Fax


                                            -5-
Breakfast Tidbits

Breakfast Tidbits:1

May 25th                                                                       Sarah Walker – Announced that Pearl
                                                                               Hunt is home recovering from gall
Keiko Couch – After translating the                                            bladder surgery. (We hope you are doing
qualification exam for the Japanese candidates                                 well Pearl!)
for 6 hours, Keiko was awarded the highest
honor given by the Association of Image                                        Eloise Foltes – Bragged that she
Consultants International – the Immie Award                                    learned to cut her own hedge.
for International Contributions.
                                                                               Taylor Stephens-Parker – Bragged that
Linda Votaw – Bragged that her son-in-                                         she lost two pounds knocking her yard
law will receive his Ph.D. in Aeronautical                                     into shape after a whole month of rain.
Engineering from U.C. Davis next month and
her daughter will receive her Ph.D. next year                                  Judith Wells – Bragged that the [blasted]
in Alzheimer’s research. She also bragged                                      ducks had left her new pond.2
that she got to escort 40 brawny, good-looking
Fort Worth firefighters through 714 Main St.,
her new building in downtown.
                                                                               June 22nd
Vicky Wallace – Bragged that she has been
                                                                               S a r a h Wa l k e r – R e f e r r i n g t o a
learning guitar since Christmas and she’s
                                                                               department with the City of Fort Worth,
sticking with it!
                                                                               “The department is called something or
                                                                               other.”

June 15th                                                                      Judith Clements – Bragged that she has
                                                                               applied to be a mentor an at-risk child
Judith Clements – “Welcome to Network for                                      with Team FWISD and is just waiting on
Executive Women…”                                                              her background check to clear.

Judith Wells – “That’s Enterprising                                            Sandy Ross – “We’ll tell them we
Women!”                                                                        definitely like your probation officers!”

Judith Clements – “Welcome to Network for
Enterprising Women [I’m still in bed”] ….

Judith Clements – “The next Network at
Nite is June 9th. We had great time this past
Monday.”

Ann Dunkin – “The Wine-a-ritas were
WONderful!!!

1
    See President’s message for disclaimer. No tidbits for June 8th as werite was the spotlight member for that day.
2
    Judith Wells must take back this brag as the ducks, all 17 of them, returned that same day!
Breakfast Tidbits (cont’d.)


Kay Wright – Bragged that she has won a                                                               Sarah Walker – “If she’s 86 years old, it’s
free cruise for two to the Mexican Riviera                                                            probably a Singer.™
for meeting the high goals of a Mannatech
Incentive Program. Mae Hoover will                                                                    Sandy Ross – Bragged that she turned down
accompany her.                                                                                        a consulting job in Florida because “you know
                                                                                                      Florida is God’s waiting room.”
Linda Votaw – Bragged that she and her
partner made it through a meeting regarding                                                           Judith Clements – Exclaimed to Doris Brown
removal of some tanks on their downtown                                                               who just got a job where, as Doris puts it, she
property with Tex Moncrief who demanded,                                                              gets paid $300.00 per month to have lunch
“Come over here and tell me what the hell                                                             once per week, “Get over yourself!!!”
you’re doing about those tanks!.”
                                                                                                      Sandy Ross – Bragged on Network saying
Sandy Ross – Announced that an 86 year                                                                that every time one of our members gets
old client of hers has a wonderful sewing                                                             up and speaks it demonstrated the depth
machine for sale.                                                                                     of experience and knowledge that member
                                                                                                      brings to our group.
Judith Clements – “Why would we need a
sewing machine when we have you?”                                                                                Keep Network at Nite!


                                                  Member Spotlight!
                Every Friday morning following brags.
    In five short minutes, you will learn the most amazing things
           about each other’s professions and businesses.

                           Want to be the in spotlight?
                     Show up and sign up for the next spotlight!

      “It’s the best thing about Fridays!” proclaims, Sandi Ross.



                                            Come See What’s N.E.W.!

          H&R BLOCK
          financial advisors

          Betty Joy Poage
          Financial Advisor


          1300 South University Drive Suite 110
          Fort Worth TX 76107-7500
          Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883
          betty.poage@hrblock.com www.hrblock.com

          Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,
          a subsidiary of H&R Block Inc. H&R Block Inc. is not a registered broker-dealer.
  The Winds of Change
                                                           ~ MEETINGS ~
                                                            Friday mornings
                                                                  at the
                                                             7th Street Grill
               Network at Nite                                 at 7:30 a.m.
            The Second Monday of Every Month               7th St. & Lamar in
     Mark your calendars, you want to remember the date!       Downtown

                  Monday, July 9th                          Monday, July 9
   Winestyles in Montgomery Plaza at 5:30 p.m.              at 5:30 p.m. at
                                                             Winestyles in
                 Cost is $5 per person                     Montgomery Plaza
    Hors d’oeuvres will be served - Drinks are extra

         Reservations are requested - Ann Dunkin
     ann@paralegalsplus.com by 5:00 pm Thurs., July 5th
        Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


     Notable Event




     We hold these truths to be
     self-evident, that all men
         are created equal...

           Our Founding Fathers
                                       August
                                                                             INSIDE THIS
                                        2007                                   ISSUE:
                                      Newsletter
                                                                               Birth
                                       Volume 30, No. 8
                                                                           Announcement
President’s Message
Judith Wells                                                               Financial Goals
                           The Last Month of Summer                             Betty Poage
                           “August rushes by like desert rainfall ….”
                           August marks the last month of summer for         This I know...
                           most of the North American continent. We          Judith Clements
                           know in Texas, though, we have last least
                           one, if not two, more months of hot weather.
                           For Network, August marks the time that         Meeting Tidbits
                           we all need to be thinking of whom we will
                           next honor with the Ruth Marie Cox Award.
                           Nominees must have been a member of
                                                                             Book Review
                           Network for at least a period of three years        Chary Horton
                           and membership must be current. The
                           nominee should be a member who keeps in
                           touch with other members, takes a positive
                                                                              UPCOMING
                           approach to life and encourages others to           EVENTS:
become a part of Network. Past recipients include Judith Clements,
Berth Henrichs, Taylor Stephens-Parker, and Eloise Foltes. Hopefully,
you know these women and can discern the traits and qualities we are      Network at Night
looking for in our next recipient. The following are ineligible, under
the rules, to be nominated this year for the award: Judith Wells, Betty
Pogue, and Keiko Couch. Please get your written submissions into          Girls, Inc. Event
a Board Member by August 31st.

I am pleased to welcome three new members to Network. Debora
                                                                           Ruth Marie Cox
Mallouk is a Houston native who moved to the Fort Worth area six                  Award
years ago from Austin. She has worked for the past 25 years in the
private club industry . She will soon be leaving her position as General
Manager of Sales for the Texas Motor Speedway Club to go back to
school at the University of Texas at Arlington to obtain a degree in design. She has three children and
two grandchildren. Debora was first invited to Network by Linda Votaw.

Next, we need to welcome Annette Addis. She’s a Fort Worth native who’s recently retired from teaching
special education at the Birdville ISD. She will be starting a new job as a kindergarten teacher for St.
George School this fall. Her hobbies are reading and gardening. She was invited to Network by Betty
Pogue.

Last, but not least, is new member Lydia Laske. She’s an Oklahoma native. She’s worked in animal
health product sales for the last seven years. She’s a new member of the sales staff at the Texas Motor
Speedway Club. Her passion is horses. She was invited to Network by new member, Debora Mallouk.
Kudos to Linda V., Betty, and Debora for their outstanding leadership in obtaining new members for
Network! Welcome to our newest members!!! Come See What’s N.E.W.!
-2-
Announcements




             N.E.W.
             has a
              NEW
            Member!
     I just wanted to announce the arrival of Meg Hedrin Missildine. She was born Wednesday evening,
     June 27th at 6:43. She was 7 lbs. 8oz and 19 inches. She has lots of dark hair, which makes me
     laugh, because most of the babies in my family are bald. She is just perfect!! Everything went very
     smoothly and pretty much as easy as you can hope for. Thank you for all of your love and prayers.
     We are so blessed.                                                                Macy Missildine

     A N.E.W. Shower by Taylor Stephens-Parker
     Taylor Stephens-Parker announces a Girlie, Girlie Baby Shower for Macy and Meg Missildine at
     her house, 2201 Sapphire Drive, Arlington, Texas on Sunday, August 12, 2007 from 2 o’clock p.m. to
     4 o’clock pm. Those wishing to bring a gift will find Macy is registered at Babies R Us, Target, and
     Pottery Barn. R.S.V.P. to Taylor at (817) 991-9182 or soilnurse@sbcglobal.net.



                               Duties of the Hospitality Director
1. Sends birthday cards and acknowledgement cards to the sick and bereaved.

2. Handles all of the association’s arrangements for members’ funerals, (i.e.: notify members, flowers,
   food as budgeted by the Board and with the consent of the President and the members’ families).
   Funeral/bereavement by the association shall consist of a small gift of a single rose to the member’s
   family or the bereaved member and a visit to the family or bereaved member. Private donations are
   encouraged by the membership as deemed appropriate.

3. Maintains a current roster of members and affiliated organizations and persons, (i.e.: Staples, Kathy
   and Darlene) including names, addresses and phone numbers.

4. Establishes a committee to conduct the work of the Director in the event of her absence.

5. Meets and greets attendees of Network meetings.

Sarah Walker is this year’s Hospitality Director. She can be reached at 817-492-0011 if you need
her services.
                                                    -3-
Financial Wisdom


What is Your Status Regarding Achieving Your Financial Goals?
By: Betty Joy Poage, Financial Advisor, H&R Block Financial Advisors


Starting Your Investment Plan
Wouldn’t it be nice if you could make your money work as hard as you do? Whether you’re new to
investing or you’ve been at it for a while, you can benefit from a strategic approach. Just putting your
money in the stock market and hoping for the best isn’t enough. You need to outline your financial goals
and then create a plan to actively pursue them. This brief overview will show you how a professional
financial advisor can help you start your investment plan.

What are your financial Goals?
You probably know what you want, but putting it down in writing will make it easier to plan for. Your list
should include both large and small goals, such as:

              z   Taking a vacation
              z   Buying a car
              z   Launching your own business
              z   Purchasing a home
              z   Financing your child’s education
              z   Providing for your retirement

Be sure to include the dollar amount needed. A financial advisor can tell you how inflation may affect this
amount. After you have listed your goals, look at your time frame for each. For some goals, you may know
the exact number of years until you will need the money. For instance, you know when your oldest child
likely will be going to college. For others, such as your trip around the world, you may not have a specific
time frame. But even for these goals, you should estimate when you would like to achieve them.

Where do I start?
1.     Have a plan. If you don’t already have one, meet with a financial advisor and discuss what your
goals are. When do you want to retire? What level of income would you like? When will your children
go to college? How much will you need to pay for it? Once you know what your goals are, it’s easy to
make a plan to achieve them.

2.       Risk Tolerance. All investments involve a trade-off between risk and return. A certain amount of
risk is inevitable if you want your money to grow. Understanding your personal risk tolerance will help
you create a plan you can stick with through good times and bad.

3.     Fund the plan. If your plan calls for you to retire in two years, you will fund the plan quite
differently than your neighbor who won’t retire for 30 years, both in terms of dollar amounts and asset
allocations.

4.     Asset Allocation. An asset allocation strategy can help you find the investment mix that provides
the balance between potential return and any possible risk. Rather than trying to be an expert on current
economic conditions and industry trends, you can diversify your funds across industry sectors to help
minimize risk while taking advantage of potential gains.

                                                   -4-
Financial Wisdom (cont’d.)

5.    Periodic reviews. A plan needs to be monitored and perhaps modified from time to time. Life is
always changing and your investment plan needs to change with it. Perhaps you have another child.
Perhaps your spouse changes jobs. All of these things can have a dramatic effect on your life and you
need to incorporate them into your investment plan.

What if the amount of annual savings required is more than you can afford? Then reassess your situation.
You may have more money available to invest than you thought. If not, you may need to lengthen your
time frame for achieving your goal.

If you follow these basic suggestions, the likelihood of you achieving your goals is vastly superior to the
investor who invests with no plan and all emotion.

Do you need an investment advisor?
Smart investing can be complex and sometimes confusing. A financial advisor can help you sort through
the clutter and develop an investment strategy tailored toward your financial situation. After you develop
your plan, you’ll want to review it to ensure that your investments are still consistent with your evolving
financial objectives. Your relationship with your financial advisor, allows you to fine-tune your strategy
and keep your risk within the levels you have set by helping you reassess your goals, time frames and
asset allocations.

Investment services and securities products offered through H&R Block Financial Advisors, Inc. members
NYSE and SIPC, a subsidiary of H&R Block, Inc. H&R Block is not a registered broker-dealer.



                    The Network for Enterprising Women Monthly Newsletter
                  is available online at: www.networkforenterprisingwomen.org

Believe While Others ...
By William Arthur Ward                                   Newsletter Advertising Rates
                                                              Business card ad for members
Believe while others are doubting.                                   1 month - $12
Plan while others are playing.                                       6 months - $60
Study while others are sleeping.
Decide while others are delaying.
Prepare while others are daydreaming.                     Thank you, Rufus Huckaby, for providing
                                                           copies of the newsletter at no charge.
Begin while others are procrastinating.
                                                                                        Rufus Huckaby
Work while others are wishing.                                                          General Manager

Save while others are wasting.
                                                                                        Staples ®
Listen while others are talking.                                                        1660 University Dr.
                                                                  that was easy.   sm
                                                                                        Ft. Worth TX 76107
Smile while others are frowning.
Commend while others are criticizing.
Persist while others are quitting.                                                      (817) 336-1616 Tel.
                                                                                        (817) 336-1567Fax

Sibmitted by Ann Dunkin
                                                   -5-
This I know...

This I know……….
Sitting in DFW recently, I was, as I always am, dumbfounded by the number of people who travel and
how they travel. They go alone, in large groups; they are lugging their own bags, or having someone
else lug their bags; they have matching Fendi or battered tote bags; they look affluent enough to buy
their own airline and, yet, there are those who show no sign of being able to afford a ticket to anywhere.
There are always the usual travelers: business men and women, the obvious tourists, kids going to
camp (by choice and those who had no choice), and certainly, the occasional youngster who is going
to their grandparents’ house where they will, somehow, survive the next two weeks without “Dirt to
Daytona” or any rendition of “Pokeman” known to man (or boy). Mostly I am aware of how they travel,
wardrobe-wise, that is. Having recently celebrated my 40th anniversary with Mary Kay Cosmetics, you
had to know sooner or later I would get around to the “image” thing, didn’t you? I couldn’t help but think
of Keiko Couch and how much she must suffer when she travels. How, in the name of all that is decent,
can cut-offs, a tank top, and rubber flip-flops really be someone’s idea of acceptable travel wear?
Personally, all that bare skin is more than I want sitting next to me for the next fifteen minutes, much
less a three hour non-stop to Newark. Puh-LEEZE, I do not know where those hairy legs have been…
nor, do I want to know. Yes, yes, I know the adage “it’s what’s inside that counts”; I’m familiar with “don’t
judge a book by it’s cover” and “pretty is as pretty does”…forget about it! When we are going to be in
close proximity with ANYONE, it is not too outrageous to expect us to cover a major part of our bodies
just out of simple courtesy to those who don’t have the time/ inclination to invest longer than the five
seconds it takes to make that first impression.

In conclusion, I am delirious to report that during this last trip, a woman stopped me in the airport
and complimented the clothes I was wearing, she went so far as to say I looked “elegant.” Alas, I am
vindicated.

My mother would be so proud.

This I know …
During this same trip there was a young man whose attire also caught my attention; he looked to be
about twenty-three or so, he was dressed for travel, all right, army-green camouflage fatigues, complete
with thick-soled boots tied eight inches above his ankles. He had found a spot on the floor at the end of
a row of seats in the waiting area, folded his pillow in half, and was sleeping as best he could while the
rest of us busied ourselves and went about our lives. Later, a security guard knelt next to him to make
sure he was ok; it sounded as if the boy were answering some questions. It was then I overheard this
freshly shaved, beautiful young man tell the guard of his destination. It seems he was dressed perfectly
for his return to duty in Iraq.


          H&R BLOCK
          financial advisors

          Betty Joy Poage
          Financial Advisor


          1300 South University Drive Suite 110
          Fort Worth TX 76107-7500
          Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883
          betty.poage@hrblock.com www.hrblock.com

           Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,
           a subsidiary of H&R Block Inc. H&R Block Inc. is not a registered broker-dealer.


                                                                                                       -6-
Ruth Marie Cox Award Nomination Form

                                RUTH MARIE COX AWARD
                                  NOMINATION FORM
The Ruth Marie Cox Award recipient is selected from nominations given to a committee consisting of
the President, President-Elect, and the Vice President and is usually awarded at a special event in
October. I wish to nominate the following individual as recipient of this award.

Nominee name: _________________________________________________

I believe the Nominee meets or exceeds the following award guidelines:

   1. Maintains active attendance/participation in Network for Enterprising Women activities and
      encourages others to become more active.
   2. Acts as a mentor to other Network for Enterprising Women members and has a positive
      approach to life in general.
   3. Has held membership in the Network for Enterprising Women for a minimum of three (3)
      years and is currently a member in good standing.
   4. Exhibits positive character traits and strong personal ethics.
   5. Is involved in other community activities which enable her to share elements of those activities
      with the Network for Enterprising Women.

I understand that the following persons are NOT eligible to be nominated for the 2007 award:

   1. The Award Selection Committee comprised of Judith Wells, Current President, Betty Pogue,
      President-Elect, and Keiko Couch, Vice President.
   2. Any individual or member receiving monetary compensation for their services on behalf of
      Network for Enterprising Women.

In support of this nomination, I have attached to this form a statement setting out the reasons for my
nomination of this individual. Secondarily (although, optional), I may attach letters of recommendation
from other individuals (not necessarily Network members) within the local community who are well
acquainted with the nominee and join me in this nomination process.

Date: _____________________              Signed: _________________________________________

Printed Name: ____________________________________________________________________
Address: ________________________________________________________________________
          ________________________________________________________________________
Telephone: _______________________________________________________________________

                         Mail this Nomination Form (and all attachments) to
                                   Network for Enterprising Women
                                          P.O. Box 101165
                                    Fort Worth, Texas 76185-1165
                                   Or e-mail to: JGWTx@aol.com
            Or hand-deliver to a current Network for Enterprising Women Board Member.
                                     Deadline: August 31, 2007
Breakfast Tidbits

Breakfast Tidbits
June 30, 2007                                            Keokuk Domingo – “I’ve gotten so much
                                                         better!.”
Olga Ferris – bragged that she was just back
from a two week trip to Italy and Paris. “It was
                                                         Olga Ferris – “I have a 1st Grade Teacher
hard, but somebody had to do it!”
                                                         from Louisiana and she talks funny too.”
Linda Votaw – bragged that she had the
honor of providing the location and hospitality          July 6th
when her 62 year old uncle met his 43 year               Pat Cheong – bragged that she is celebrating
old daughter that he didn’t know he had.                 her 26th year with United Way

Keiko Couch – bragged that last Friday she               Judith Clements – bragged that she is
made Panache Magazine (a Star-Telegram                   celebrating her 40th birthday with Mary Kay.
publication) on rearranging rooms.
                                                         Billye Poston – mentioned that she created
Olga Ferris – “I’m sorry. I was in Paris that            the Community Development Program and
day.”                                                    Joseph A. Banks.

Betty Pogue – bragged that her Daddy came                Judith Clements – “That’s good for you, and
all the way to Fort Worth to celebrate her               that’s 25 cents!”
birthday after he swore he wouldn’t leave the
comfort of his home again.                               Myra Goodwin – bragged that she’s
                                                         celebrating her 40th wedding anniversary
Frankye Bruce – bragged that she’s practicing            with her husband next week
what she preaches about living simply. She
hauled off 10 bags of books to Half Price                Billye Poston – will close on home on the
Books.                                                   25th and plans to host a BYOF (Bring Your
                                                         Own Furniture) party. Any furniture that she
Frankye Bruce – bragged that she’s on a                  can’t use will be donated to the Women’s
mission to make sure her mother and aunt                 Shelter.
get to all places that they want to go. Next
stop is Alaska!                                          Olga Ferris – announced that recent guest
                                                         attendee, Annette Addis, will be her new
Taylor Stephens-Parker – bragged that she                Kindergarten Teacher. “Another connection
donated five years of O Magazine to Girls                made at Network!”
Inc. in her quest to downsize from having too
much stuff.                                              Sandi Ross – bragged that since the negative
                                                         article about home owners associations
Keiko Couch – bragged that Fort Worth                    and their business that helps homeowners’
is hosting the 10th Annual Chamber Music                 associations function appeared in the Star
Festival. Ten years of beautiful music!                  Telegram, they have had 10 new inquiries for
                                                         business plus they made it into a California
Olga Ferris – after listening to Keokuk                  newspaper yesterday.
Domingo talk about her business: “Louisiana
people talk funny.”                                      Judith Clements – bragged that she called
                                                         a credit card company about their impending
Judith Wells – “Olga!”                                   increase of her interest rate to 18%. When
                                                   -8-
Breakfast Tidbits (cont’d.)
she informed them she wouldn’t be paying
                                                   Linda Votaw – bragged that she vacationed
18% interest, they offered to renew her low
                                                   by herself in New Mexico for the first part of
interest rate for another 6 months!
                                                   her summer vacation. She further bragged
                                                   that she never felt so rejuvenated in her whole
Olga Ferris – announced that she is looking
                                                   life. Then she went to a family reunion that
for a part time music teacher.
                                                   “got me back to normal.”
Debbie Mallouk – announced that she will be
                                                   Linda Votaw – bragged that after the Park
leaving the Speedway Club to go to college
                                                   Plaza air conditioning blew up, she had the
and major in design. Consequently, the
                                                   building up and running a day later. She
position of General Manager of Sales is open.
                                                   further bragged about a client she obtained
She further bragged that anyone at any age
                                                   because the woman stated that in driving
can change her life.
                                                   around Fort Worth she noticed Linda’s name
                                                   on half the buildings.
July 13, 2007
Linda Votaw – noting our late start stated,
                                                   July 20, 2007
“Network for Enterprising Women meets
                                                   Debbie Mallouk – bragged that Billye Poston
every Friday and convenes promptly at 7:35
                                                   and Karla Sparger came to visit the Speedway
a.m.”
                                                   Club and “I think that is so cool!”
Amy Jennings – announced that she is
                                                   Billye Poston – bragged that she is closing
now the Chaplain and Volunteer Coordinator
                                                   on her house today. Her new address will be
at Good Samaritan Hospital in Virginia and
                                                   1711 S. Henderson St, Fort Worth, Texas.
bragged that they offered her more money
than she expected. Good luck Amy on your
                                                   Linda Beranek – bragged that she won
new job! We will miss you!
                                                   the Service Above Self Award for the public
                                                   relations campaign she orchestrated for the
Linda Beranek – announced that she is
                                                   club even when she was on inactive status.
deciding who “I’m going to be in my new
career.” She is currently working with Jill
                                                   Sarah Walker – bragged on Judith Clements
DeHaven on a “green” development project
                                                   for going the extra mile for N.E.W. by opening
on Race Street in Fort Worth. Environmental
                                                   her house and heart to all of us.”
concerns are “my passion anyway.”


                        Member Spotlight!
               Every Friday morning following brags.
   In five short minutes, you will learn the most amazing things
          about each other’s professions and businesses.
                   Want to be the in spotlight?
             Show up and sign up for the next spotlight!
    “It’s the best thing about Fridays!” proclaims, Sandi Ross.


          Come See What’s N.E.W.!
Book Review

Ignite Your Business - Double Your Contacts
As Reviewed by Chary Horton

The great focal point in life is when opportunity and preparedness meet. This is a golden moment.
The timing is unsurpassed as powerful market forces and trends create this “perfect storm”! Even the
prospects are doing their job better than they’ve ever done before. People want what we have. Sharing
Ignite is a thrill of discovery.
I was certainly looking and searching for something, and as I discovered Ignite. I felt that certainly there
must be a lot of other people just like me who were searching and looking. My main strategy has been:
“I am looking for people who are looking for me!”
I often think back on what made me successful. Everyone begins Ignite with the resources of their life’s
experiences. I believe this was a tremendous value for me. A mentor of mine told me that I was to call
him every day. She also taught me how to make a log of all the contacts I made. I was to record the
person, phone number, and other details. These were to be done with carbon paper so she could have
a copy and review what I did each week.
She said that calling her every day and mailing her my contact list every week was mandatory. It was
part of the job description. I also believe that these two things are absolutely essential for success.
When I joined Ignite, I had the good fortune of working with someone very successful in my up line. A
very rich man said, "If you could find out what the most successful people did in any area and then you
did the same thing over and over, you'd eventually get the same results they do."
When the pupil is ready, the teacher appears! The mind of the student soon resembles the mind of
the teacher - and so do the results. When I first began sponsoring people I would tell them to call my
mentor everyday too!

How many people have you contacted? Have you talked to enough people about Ignite to know what
your batting average is? So much of success is about the numbers! One of the most critical things for
success in Ignite is to have a physical list. Make a prospect book. Get names and put them on paper.
Also, I have discovered that most people don’t buy anything the first time I meet them. I had to follow
up with them. I’ve discovered that this same thing happens in Ignite. Typically, I have probably made
individual contact five or six times with people before I actually get them signed up. The first time is
probably a telephone call. The next time might be following up to ask them if they have listened to a CD
or DVD. An essential contact point is a one-on-one meeting. (I just came back from a fantastic one-on-
one today!) An opportunity meeting, where they can meet the millionaires, is certainly in order too. Of
course I am going to always ask them who they know.
Success is achieved by the daily accumulation of doing the fundamentals. Where you will end up in
five years is determined by the books you read, the CDs you listen to, and the people in which you
associate. I am reading a book titled: “Double Your Contacts”. Reading this book has reminded me
once again that when we’re working, we’re talking to people. If we’re not talking to people…we are not
working!
"Double your Contacts" by Michael J. Durkin, is a book all about the foundation for achievement...our
belief. This book is excellent for helping someone to evaluate and rewrite their belief system for creating
success. Michael Durkin states that: "I am going to teach you the belief system that you will need to
be successful at contacting and booking meetings...you are in the prospecting business! Accept it and
don't ever forget it...you must get face-to-face with a steady stream of qualified prospects. Once you
have developed this ability, there is nothing that can stop you from being successful!"
Book Review (cont’d.)


I recommend you get this book!!!

Take a look at www.doubleyourcontacts.com or contact M. J. Durkin at 866-350-6477. E-mail is
mdurkin@salesjudo.com. He helps you with attitude of calling people that you need a list and basically
the job is to add people to your list continually and to take them off one way or another either by them
saying no or by them moving on in to being an associate with you into the business.
The word commitment means a pledge or promise to do something; a dedication to a long-term course
of action.
You are in the prospecting business! Accept it and don’t ever forget it! You must get face-to-face with
a steady stream of qualified prospects. Once you have developed this ability, there is nothing that can
stop you from being successful!
Once you can get face to face with decision-makers you can write your own ticket. I would take one good
prospector over ten “closers” any day! If you have the ability to get in front of decision-makers, you’ve
developed an extremely marketable skill that makes you very valuable to ANY company interested in
increasing their sales.
Master the art of contacting and booking appointments by phone. (Rule is no more than 1 min. each
call!)
Are you familiar with the analogy comparing different network marketers with farmers, sharecroppers,
and hunters? Durkin says that all have value and all three can work, but the "hunter can leave in the
morning, go out into the field and come home with dinner that night". There are more of them out there
and we can sponsor them into our business! The hunter is completely self-sufficient. They can create
business out of literally nothing. They have what I call a built-in “prospecting consciousness”. They are
in constant prospecting mode. You absolutely must think positive and hold the vision that they will get
in. You must approach them and show the business believing they will take action to change their own
lives.Every person you meet should be given a chance to see the opportunity.
You do not have to get the name and number of everyone you meet – just get good at meeting
people!
Be observant and look for an opening statement to start a conversation. You can always say something
to get a person to respond to you.
Your goal when contacting is to get a name, an e-mail address or number and a reason to call them
– that’s it! Get their name – it helps when you contact them! It is difficult to go to the “reason for
information” stage if you don’t know their name.
Your job is to get information not give it. You are under no obligation to answer any of their questions!
Stay in control and make sure you are the once asking the questions.
Do not allow yourself to be cornered. Start the “reason for information” stage just as you feel the
interaction is getting ready to end.
Have a rehearsed answer that describes your business and what you do but don’t be too enamored
with it!
Never give them your business card. Always be out of them so that you have to ask them for theirs.


                                                 - 11 -
  The Winds of Change
                                                            ~ MEETINGS ~
                                                            Friday mornings
                                                                  at the
                                                             7th Street Grill
               Network at Nite                                 at 7:30 a.m.
            The Second Monday of Every Month               7th St. & Lamar in
     Mark your calendars, you want to remember the date!       Downtown

               Monday, August 13th                         Monday, August 13
   Winestyles in Montgomery Plaza at 5:30 p.m.               at 5:30 p.m. at
                                                             Winestyles in
                 Cost is $5 per person                     Montgomery Plaza
    Hors d’oeuvres will be served - Drinks are extra

         Reservations are requested - Ann Dunkin
    ann@paralegalsplus.com by 5:00 pm Thurs., August 9th
        Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


      Notable Quote




   Walk away from it until you’re
  stronger. All your problems will
  be there when you get back, but
    you’ll be better able to cope.
                Lady Bird Johnson
                                      September
                                                                             INSIDE THIS
                                        2007                                   ISSUE:
                                      Newsletter
                                        Volume 30, No. 9                   Financial Goals
                                                                              Betty Poage
President’s Message
Judith Wells
                                                                            This I know...
                                        September                            Judith Clements

                           “September: it was the most beautiful of
                           words, he’d always felt, evoking orange-
                           flowers, swallows, and regret.” Well I
                                                                           Meeting Snippets
                           don’t know about all that; but I do know
                           that September begins the last quarter of          Motivating
                           Network’s club year for 2007. We have
                           some things to do.                                  Yourself
                                                                             Ann E. Dunkin
                            First and foremost, we must decide if we
                            will be honoring one of our members with
                            the Ruth Marie Cox Award. Your Board
                            has received only one nomination as of
                            this writing. It is the opinion of the Board     UPCOMING
that if more nominations are not forthcoming, the award will be placed
on hold until next year. The award is to honor one of our own who             EVENTS:
has been a Network member for at least three years and contributed
greatly to the club. There is nothing in our by-laws that requires the
award to be given on an annual basis. The Board feels that the award       Network at Night
will have more meaning when there is a clamoring of support to award
it to an individual. Plus, Eloise Foltes is looking forward to keeping
                                                                            September 10
the statue for another year. So, if more nominations are not received
in the near future, we may not be honoring a member with the Ruth
Marie Cox Award.

I am pleased to announce that Network is in the process of incorporating as a non-profit corporation.
Judith Clements agreed to sign off on the official paperwork as the organizer and registered agent for
the club. Members, Betty Poage, Sarah Walker and Kay Wright all agreed to be named directors. When
we get the certificate back, I’ll be sure to let everyone know.

Also, be watching the MetroWoman Directory, www.fwmetrowoman.com, for our line ad in their “Pink
Pages” under organizations. The ad was quite inexpensive for a publication with a distribution of over
12,000 copies around the county. The Board is hopeful that regular advertising in publications such as
the MetroWoman Directory will raise Network’s visibility in the community.

Finally, I will be putting together a nominating committee for next year’s officers. Please consider
volunteering for a position on the Board. We need new ideas and new energy. Say “Yes!” to service!
Come See What’s N.E.W.!
Financial Wisdom


Have a Maturing CD? Consider Municipal Bonds.
Earn a fixed rate and save on taxes.

By Betty Joy Poage, H&R Block Financial Advisors

Do you have a CD that’s about to mature? Would you like to keep earning a fixed rate of interest while
also reducing your tax burden? If so, you may want to consider municipal bonds.*

Since municipal bonds are free from federal income tax, they help you keep more of what you earn.
Many offer breaks on state and local taxes as well. Also, they offer a fixed rate of interest and can help
diversify and add stability to your portfolio.

Look at tax-equivalent yield
To compare the returns on a tax-exempt bond to a taxable bond, determine the taxable equivalent yield.
For example, assuming a 28% tax bracket, a tax-exempt bond need only return just over 4% to equal
the 5.6% yield of the taxable bond.

Talk to your H&R Block financial advisor to determine if municipal bonds might be right for you.

*Municipal bonds are not FDIC-insured, have greater volatility than CDs and are subject to availability and change
in price, and market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise.
Interest income may be subject to the alternative minimum tax and to state and local taxes.


Investment services and securities products offered through H&R Block Financial Advisors, Inc. members
NYSE and SIPC, a subsidiary of H&R Block, Inc. H&R Block is not a registered broker-dealer.




                                                 THANK YOU FOR YOUR SUPPORT
                                                            of the

                                                              4th Annual
                                                         Strong, Smart & Bold
                                                       "NO LIMITS" Luncheon”

                                                         We appreciate Judith Wells
                                                        for putting a table together!
                                                         -2-
Events
A Look At What’s Been Happening




                                     Billye, Betty, & Pat
                                        enjoy Sarah’s
                                    convening techniques.
Sarah convenes the group
    on August 17th.

                                                                The Network Board meets.




                                       Baby Meg Missildine

                                                                              Kay Wright practices
Macy & Meg at our
                                                                              being a Grandmother.
August 12th shower.




                      Network showers Macy with the
                          help of Eric, the head.
                                                        Macy enjoys her shower.
                                                 -3-
This I know...

This I know…
Judith Eads Clements


Years ago, just weeks after I became associated with Mary Kay Cosmetics, I had the pleasure of
listening to a speaker who was with Success Motivation Institute; if my memory serves me correctly, this
was a group based out of Waco. I remember thinking how surprised I was since Waco was not exactly
my idea of some place that was on the cutting edge of ….. Anything. Brand new in the direct selling
experience, I was “wowed” by the speaker and his message. Since then I have attended hundreds of
sales meetings and a couple of dozen Mary Kay Seminars; I have heard such speakers as Norman
Vincent Peale, Oral Roberts and Zig Zigler to name only a few. I have read from Deepak Chopra to
Marianne Williams, with a lot of Louise Hay and William Dyer thrown in for good measure. No one,
however, had ever zeroed in with the answer to what I believe is the holy grail of challenges shared by
many of us: call reluctance. No one, that is, until I read an article the other day by Paul J. Meyer, founder
and chairman of the board for the Waco-based SMI.

We would all probably agree, making calls is not limited to a selling career, there are the dreaded calls to
the phone company regarding disputed charges, calls to UPS (armed with routing number) questioning
the whereabouts of a long overdue package, and everyone’s favorite, the call to a fellow club member
you have prayed will accept lead chair for an upcoming charity event. Oh, yeah, we all know about call
reluctance. Let me quote and paraphrase some of Mr. Meyer’s thoughts as he addressed the question,
“Why do you deliberately avoid making the call?” He says, “The most obvious answer is fear…fear of
being turned down, fear of being rejected, fear of being hit in the most sensitive part of your anatomy;
your personal pride. Ouch. He continues, “We place personal pride and self-approval above success”
(in accomplishing our intension); and, “call reluctance may have its origin in too much empathy” (with
the other person involved in the conversation). Generally speaking, women want to avoid confrontation;
many women believe it is their job to do what they can so everyone feels good about…whatever.
Another generality is women have the tendency to want to dictate the outcome of most situations; I
am told this is a form of control, although I would not know about such a thing. Therefore, if we avoid
making a scene, are happiest when everyone’s feeling all warm and fuzzy while, at the same time, we
are directing the future, it makes sense to me we would certainly be reluctant to involve ourselves in
situations (making calls) that were out of our control. It’s called staying in our comfort zone, that haven
where there is no unknown, no challenge and definitely no fun.

The last time I called to question an unfamiliar charge on my phone statement and was, indeed, given
an acceptable answer, the young man on the other end of the line asked if there was anything else he
could do for me. I replied, “Why, yes, as a long time customer with an excellent credit history I would like
to be rewarded.” I suggested frequent flyer miles, after that idea was rejected he did say AT&T would
like to give me eighteen months of free Dish service for signing another two year contract. All righty.

This I know for sure…
I agree with Mr. Meyer, “The only way to overcome call reluctance is to meet it where it starts; within
yourself”. Stop procrastinating, stop rationalizing…be fearless by the desire to intend pleasant end-
results. Maybe wanting to live happi-er ever after is a good place to start.



                                                    -4-
This I know... (cont’d.)

This I know …
During this same trip, there was a young man whose attire also caught my attention; he looked to be
about twenty-three or so, he was dressed for travel, all right, army-green camouflage fatigues, complete
with thick-soled boots tied eight inches above his ankles. He had found a spot on the floor at the end of
a row of seats in the waiting area, folded his pillow in half, and was sleeping as best he could while the
rest of us busied ourselves and went about our lives. Later, a security guard knelt next to him to make
sure he was ok; it sounded as if the boy were answering some questions. It was then I overheard this
freshly shaved, beautiful young man tell the guard of his destination. It seems he was dressed perfectly
for his return to duty in Iraq.



                                 The Network for Enterprising Women Monthly Newsletter
                               is available online at: www.networkforenterprisingwomen.org


                                                                                                             National Domestic Abuse Hotline
                                                                                                                 1-800-799-SAFE (7233)
                    September
                     Birthdays                                                                               Newsletter Advertising Rates
  Bertha Henrichs                                                              Sept. 8                          Business card ad for members
                                                                                                                       1 month - $12
  Lue Ann Claypool                                                             Sept. 24                                6 months - $60
  Nancy Spurlock                                                               Sept. 24
                                                                                                                                         Rufus Huckaby
  Kay Wright                                                                   Sept. 28                                                  General Manager


  Royla Cox                                                                    Sept. 29                                                  Staples ®
                                                                                                                                         1660 University Dr.
                                                                                                                   that was easy.   sm

                               HAPPY                                                                                                     Ft. Worth TX 76107


                             BIRTHDAY!
                                                                                                                                         (817) 336-1616 Tel.
                                                                                                                                         (817) 336-1567Fax




          H&R BLOCK
          financial advisors

          Betty Joy Poage
          Financial Advisor


          1300 South University Drive Suite 110
          Fort Worth TX 76107-7500
          Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883
          betty.poage@hrblock.com www.hrblock.com

           Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,
           a subsidiary of H&R Block Inc. H&R Block Inc. is not a registered broker-dealer.


                                                                                                       -5-
Snippets


Snippets
Announcing a column name change! “Tidbits” will now be called “Snippets” and will reflect any little
thing heard from or about Network members or attendees. Feel free to submit your own “Snippet” at
any time. Send any “Snippet” to me at JGWTx@aol.com reflecting the date and the occasion heard or
observed. All “Snippets” must reflect the person submitting the item. I want to brag on and profusely
thank Frankye Bruce who gallantly volunteered to take down the brags etc. offered on August 3rd and
10th when I could not attend. Thank you! Thank you! Thank you! Y’all thank her too!


August 3, 2007                                           August 10, 2007
Olga Ferris -- bragged that her school’s                 Olga Ferris -- her nephew helped her buy a
budget from last year balanced.                          car on Ebay and she’s flying to Houston to
                                                         get it. It’s a Toyota Corolla Sport - no more
Sarah Walker -- was thrilled that none of her            stuffy lady car for Olga!
clients called too panicked through this week’s
unstable markets.                                        Linda Beranek -- She just returned from
                                                         Meredith, TX where she helped build a
Linda Votaw -- Finally, she and her partners             “green” adobe house.
got the word that their loan on 714 Main will
close next week.                                         Sarah Walker -- bid on a piece of property on
                                                         the court house steps and got it! Then Taylor
Karla Sparger -- bragged that her jewelry                P-S came to the rescue at the last minute
making class was a huge success - nothing                (Network, only a phone call away) to help her
like making jewelry and laughing and making              finalize the financial logistics.
merry.
                                                         Linda Votaw -- will be in Idaho next week at
Myra Goodwin -- She watches her sister’s                 a family reunion where she will be the oldest
house while she is away (filming CSI, no                 one there…the matriarch of her clan!
less!); and as a thank you gift, her sister is
sending her to Hawaii!                                   Taylor Stevens-Parker -- had some neighbors
                                                         over for a social gathering and finally learned
Taylor Stevens-Parker -- is proud of her                 what that strange room in her house was
Internet shopping prowess…she was looking                meant for -- a game room of all things!
for a ticket to fly to Cape Cod for a memorial
service and the first quote was $800. She                August 12, 2007
“poked around” and by being flexible on
dates she was able to find a ticket for close            Overheard at Macy’s Shower held at the
to $200.                                                 home of Taylor Parker-Stephens:
Linda Votow -- will be on the radio 1360 the             Susan Herman – “I don’t cook & I don’t shop!
Biz Radio Network to promote 714 Main.                   You’ll see! (giving Macy a head’s up as she
                                                         opened Susan’s gift)
Ann Dunkin -- bought an Ipod and is loving
it!                                                      Judith Clements – “My kids joke that they
                                                         remember the [one] time I baked cookies.”
                                                  -6-
Snippets (cont’d.)


Then she reminisced about her four year old        Judith Clements reminded us during her
daughter asking her in the car about where         “Spotlight” moment to avoid the following
babies come from. Judith wisely told her           phrases at all costs: “No! Never! Not!
she would discuss it with her when they got        Nothing!, None!”
home. As they reached home, her daughter
said, “Never mind Mommy! I figured it
out. God disappears ‘em right in there and         August 24, 2007
disappears ‘em out again!” Judith confirmed
her daughter’s reasoning.                          Billye Poston – told a funny story of how the
                                                   old claw-foot tub in her “new” house began
Betty Pogue – confessed to losing her one          flaking as she took her first relaxing bath.
year old nephew in a department store. She         Apparently, the remodelers spray painted the
prayed to God to help her find him before her      bathroom and caused a flaking situation!
sister (the child’s mother) and Betty’s mother
returned. God did not see fit to answer that       Taylor Stevens-Parker – recounted her
prayer and little Jeff was eventually found        granddaughter’s surprise that Taylor and Stan
hiding under a rack of dresses.                    would be accompanying the family to the pool
                                                   for a swim. She exclaimed, “Old people don’t
Sarah Walker – “I wanted six children, but         swim!” (It seems her paternal grandmother in
thank God, He knew best!”                          fact doesn’t swim.) Taylor showed her! Taylor
                                                   was encouraged to dive off the high dive – so
                                                   she did! FOUR times!!!
August 17, 2007
                                                   Sandi Ross – Surviving that hospital (MCA
Heard during introductions:                        –Arlington) is a brag!
Eloise Foltes – “I’m Secretary.”
Judith Wells - “No, you’re not.”                   Billye Poston – “I’m glad I had to speak today
Eloise Foltes – “Treasurer!”                       (Spotlight) ‘cause it got me out of bed!”
Keiko Couch – “That was quick!”

Billye Poston – bragged that she has moved
into her new house.



                       Member Spotlight!
               Every Friday morning following brags.
   In five short minutes, you will learn the most amazing things
          about each other’s professions and businesses.
                   Want to be the in spotlight?
             Show up and sign up for the next spotlight!
    “It’s the best thing about Fridays!” proclaims, Sandi Ross.


         Come See What’s N.E.W.!
Self Motivation


THE ART OF MOTIVATING YOURSELF
by Ann E. Dunkin, Vice President - Paralegals Plus, Inc.


The golden opportunity you are seeking is in yourself. It is not in your environment; it is not in luck or chance, or
the help of others; it is in yourself alone.” Orison Swett Marden

Whether you have been in a career path for one year or twenty, the days (and even months) will have
both high points and low ebbs in enthusiasm.

All of us have worked with individuals who seem to be pumped all the time and those who seem to
drag themselves . . . physically and psychologically through their work days. Although a consistently
“pumped” person can be a bit overwhelming to us average folks, the consistently dragging person
tends to pull others down with them.

How is it possible to stay motivated day in and day out when feedback and encouragement can be
hard to come by? As a matter of fact, there are many steps you can take to move your work days from
average to motivated!

Author, T. Scott Gross, who wrote Outrageous! Unforgettable Service, reports that many people, when
asked what turns them on at work, responded with “being in the know” as well as learning new skills,
and interacting with other motivated / motivating people. All of us like to be sought out for our opinions or
for information. Attendance at professional association seminars and conferences will offer consistent,
brain-expanding knowledge to make you more and more the person whose wisdom is sought after. On
the other hand, if you are at the point in your career that you feel you have attended every available and
appropriate seminar, then perhaps it is time for you to participate on the presentation side! Volunteering
within an organization to be a presenter or facilitator in some fashion will give your motivation quotient
a definite boost.

At times when you are hungry for new information but are in between satisfying seminars, reading from
reference books and treatises on various subjects provide plenty of “chewing gum for the mind.” In fact,
you might challenge yourself by committing to learn - through listening - one new career oriented fact
every day. If your employer maintains a library (whether traditional or online), that resource is a great
place to begin. However, when time is short and even reading has to be postponed, simple listening
will increase your knowledge. Chances are that you can pick up nuggets of wisdom on a daily basis
from your own friends, coworkers or business partners who are themselves perpetual students and
enjoy sharing knowledge with others. Remember, of course, that listening to someone else is also very
flattering to them; and you can meanwhile increase your store of knowledge.

If you are really serious about learning, then it may be time to go back to school! Attending classes as
an adult can be loads of fun. Not only will you expand your mind, but you can also significantly increase
your list of networking contacts by meeting other bright and motivated people.

Still need other suggestions? Then simply try something new. Design a new way to do a task, and you
will have boosted your “want to” by a couple of notches! You might even organize a brown bag (lunch)
discussion group at your office to talk about current issues in your industry.

                                                        -8-
Self Motivation (cont’d.)

Perhaps you can seek out training to learn a new software program or learn the more advanced features
of software applications currently in use in your business. The average PC user learns and utilizes less
than 10% of the software features which would make the work flow far more easily and efficiently - not
to mention with more fun. As a matter of fact, most individuals utilize only around 50% of even basic
software features.

To motivate yourself and others, get or stay active in professional associations. Learning from each
other is priceless, and you will have moved your profession forward in the process. Motivating and
encouraging others will come back to you in spades. Seeing light bulbs go on for other people spurs
your own curiosity and keeps the brain cells functioning well.

The “trying something new” idea can also apply to parts of your day which aren’t directly employer/
employee related. For instance, why not try a different route to work? Some time ago when I was in
a position that provided more than its share of stress, a friend suggested that I investigate a different
route to work, and to my surprise I found that I could drive across a dam at the end of a beautiful lake
each morning. Just glancing at the water, noting the water levels at different times of year, seeing the
gulls circle above searching for their fishy breakfast and driving somewhat leisurely (way under the
breakneck speed of a freeway) was the tonic I needed at the beginning of my work day.

Even if you only stand up, walk to a window and look out for a few seconds, that’s enough. By doing
so, you have given your brain a bit of time to say “Whew!” Additionally, remember to b-r-e-a-t-h-e. How
many times during the day are you actually holding your breath and only letting the tiniest amount of
oxygen into your lungs - just enough to keep you from passing out? Long, deep breaths are good for
you physically, and your psyche will thank you as well.

To depend on others to motivate you and give you the career “spark” you seek, is to invite disappointment.
Motivating yourself is a lifetime endeavor, but it is one well worth the effort!
__________________________________

Ann E. Dunkin, CTS, is Vice President of the Fort Worth Division of Paralegals Plus, Inc., a legal
recruiting and staffing company providing services to the legal industry. The company also has locations
in Dallas and San Antonio. Ann serves on the board of directors for the Fort Worth Human Resources
Management Association and also serves on the advisory boards for Tarrant County College - Northwest
Campus and Arlington Career Institute. She may be contacted by phone at (817) 332-9005 or via
e-mail: ann@paralegalsplus.com.

                            Bad E-mail Address
                            Every month, e-mail sent to the following addresses is
                            returned for the reasons listed:

                            sharonftwrth@aol.com               “Does not like recipient”
                            lindaberanek@sbcglobal.net         “Does not like recipient”
                            frankye@sublimeliving.com          “Wasn’t able to establish an
                                                                SMTP connection”

                            Please e-mail me at bgriffin@parkplazafw.com with corrections.
                                                                                  Thanks!
                                                 -9-
The Winds of Change
                                                          ~ MEETINGS ~
                                                          Friday mornings
                                                                at the
                                                           7th Street Grill
               Network at Nite                               at 7:30 a.m.
          The Second Monday of Every Month               7th St. & Lamar in
   Mark your calendars, you want to remember the date!       Downtown

            Monday, September 10th                       Monday, Sept. 10th
 Winestyles in Montgomery Plaza at 5:30 p.m.               at 5:30 p.m. at
                                                           Winestyles in
                  Cost is $5 per person                  Montgomery Plaza
  Hors d’oeuvres will be served - Drinks are extra

      Reservations are requested - Ann Dunkin
ann@paralegalsplus.com by 5:00 pm Thurs., September 6
     Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


    Notable Quote




They say it is better to be poor and
happy than rich and miserable, but
  how about a compromise like
 moderately rich and just moody?
                       Princess Diana
                                         October
                                                                                INSIDE THIS
                                          2007                                    ISSUE:
                                        Newsletter
                                        Volume 30, No. 10                      Global Investing
                                                                                  Betty Poage
President’s Message
Judith Wells                                                                   Breast Cancer
                                           October                            Awareness Month

                            “There is something in October sets the
                            gypsy blood astir, We must rise and follow
                                                                               Ruth Marie Cox
                            her, When from every hill of flame, She             Nominations
                            calls and calls each vagabond by name.”
                            October is one of my favorite months. It
                            finally starts cooling down, at least at night.       Snippets
                            It’s a great time to plant anything – annuals
                            or perennials. It’s more pleasant to exercise
                            outdoors. It’s just, to sum it up, more darn
                            pleasant around here.
                                                                              Surviving the Role
                                                                                 of Convener
                            Well, last month I emphatically wrote that
                            if we didn’t get more nominations, we’d
not have the Ruth Marie Cox Award this year. That statement was
partially true and, now, as it turns out, it is partially false. The Board
was divided on whether to cancel the award this year and reached a               UPCOMING
compromise.
                                                                                  EVENTS:
We have decided to delay the award to correspond with the annual
business meeting in January. So, you still have time to get in your
nominations. A nomination must contain the name of the person and a    Network at Night
brief statement as to why you believe this woman deserves the award.       October 8
Don’t worry your little heads about the other criteria such as whether
the nominee has been a member of Network for at least three years
or whether she is actually excluded by the rules because she’s on the
committee. The committee will weed out the ineligible. Please, please send us your nominations by
December 15th.

October is National Breast Cancer Awareness Month. I want to take this opportunity to remember two of
our members who fought the good fight against this horrible disease. First is Ann Capps-Trussell. Ann
was devoted to Network, her butterflies, xeriscaping, and to Bertha Heinrichs. Ann was a true helper
when Bertha opened the Connections Bookstore in the old Public House. “Ann helped her [Bertha] in so
many ways”, according to Sarah Walker. Sarah remembers that “Ann carried her battle against cancer
so strongly before Network. She kept us aware of everything she went through. It helped her to get past
the 10 year mark. We learned so much through her battle and the challenges
she faced. She would stand boldly before us and rattle it off.” Sandi Ross recalls
that Ann planned her own funeral service, insisting that “Waltz Across Texas” be
played and giving everyone a plant from her yard to take home.
President’s Letter (cont’d.)


“I do faces, toes, noses and elbows,” Ellen Roddy, a Mary Kay representative, would remind us each
week at Friday breakfast. Ellen worked almost 30 years for TXU. She decided to retire from TXU with
the encouragement of Network. “When she did, she flew like a bird,” says Sarah. I first came to Network
because of my initial campaign for Judge. It was a hotly contested race and necessitated making those
dreaded campaign phone calls. Instead of one of my volunteers, I happened be the one to call Ellen’s
home and she answered. I didn’t yet recognize her name. She let me
give my spiel, apparently answering in just the way any candidate would
want. During that call, she never let on that she knew me from Network.
She told me later about it, totally excusing my failure to recognize her or
her name. That really sums up who Ellen was. She was just the nicest
person. Sarah recalled that “there was never a doubt in your mind that
Ellen meant what she said. You always knew where you stood with
her. Her door was always open to all of us.” Ellen had a passion for
the American Association of University Women, hawking their flowers
whether the actual plants or the flower cards, to support their scholarship
program. She also developed a passion for tap dancing. I never had the
pleasure of seeing her tap dance; but I know that as I type this, and as
                                  you read this, she is tap dancing her way
                                  across heaven.

                                 I also want to recognize Kay Yount. She,
                                 too, fought the good fight and remains a
                                 survivor to this day. I had the pleasure and     Ann Capps-Trussell
                                 the very good fortune to attend a Network at Noon luncheon where Kay
                                 gave us all the pertinent facts about breast cancer and brought with her
                                 a prosthetic breast complete with a lump, so we could feel it and know
                                 what to feel for during our monthly self-exams. Honor all of these women.
                                 If you haven’t already, don’t delay another day. Do your self-exam.

                                 While I talked to Sarah about Ellen and Ann, she and I also talked about
                                 her moment in the Network Spotlight, which you will read about in this
                                 issue. She lamented that too many of our members are missing out on
                                 the good and supportive things and women of Network. Sarah proudly
                                 proclaims Network as one of the organizations that has made her who
                                 she is today. If you are one of our members who has been missing in
           Ellen Roddy           action, Come see what’s N.E.W.!

                          Did you know that.....
                          You can go to the following web site:
                          http://www.thebreastcancersite.com/clickToGive/home.faces?siteId=2

                          And just by clicking the box at the top of the screen once a day, every day,
                          that underprivledged women can get free mammograms? Try it!

You can also click and drag the web address to your desktop so you can remember. There are other
sites that benefit other groups. Look at the top of the page for tabs to take you to sites that help children,
animals and the Rain Forest, to name a few, with just a daily click. It only takes a few seconds.

                                                    -2-
Ruth Marie Cox Award Nomination Form

                                RUTH MARIE COX AWARD
                                  NOMINATION FORM
The Ruth Marie Cox Award recipient is selected from nominations given to a committee consisting of
the President, President-Elect, and the Vice President and is usually awarded at a special event in
October. I wish to nominate the following individual as recipient of this award.

Nominee name: _________________________________________________

I believe the Nominee meets or exceeds the following award guidelines:

   1. Maintains active attendance/participation in Network for Enterprising Women activities and
      encourages others to become more active.
   2. Acts as a mentor to other Network for Enterprising Women members and has a positive
      approach to life in general.
   3. Has held membership in the Network for Enterprising Women for a minimum of three (3)
      years and is currently a member in good standing.
   4. Exhibits positive character traits and strong personal ethics.
   5. Is involved in other community activities which enable her to share elements of those activities
      with the Network for Enterprising Women.

I understand that the following persons are NOT eligible to be nominated for the 2007 award:

   1. The Award Selection Committee comprised of Judith Wells, Current President, Betty Pogue,
      President-Elect, and Keiko Couch, Vice President.
   2. Any individual or member receiving monetary compensation for their services on behalf of
      Network for Enterprising Women.

In support of this nomination, I have attached to this form a statement setting out the reasons for my
nomination of this individual. Secondarily (although, optional), I may attach letters of recommendation
from other individuals (not necessarily Network members) within the local community who are well
acquainted with the nominee and join me in this nomination process.

Date: _____________________              Signed: _________________________________________

Printed Name: ____________________________________________________________________
Address: ________________________________________________________________________
          ________________________________________________________________________
Telephone: _______________________________________________________________________

                         Mail this Nomination Form (and all attachments) to
                                   Network for Enterprising Women
                                          P.O. Box 101165
                                    Fort Worth, Texas 76185-1165
                                   Or e-mail to: JGWTx@aol.com
            Or hand-deliver to a current Network for Enterprising Women Board Member.
                                   Deadline: Decemeber 15, 2007
Financial Wisdom

Global Investing: Send Your Portfolio Around the World
By: Betty Joy Poage, Financial Advisor, H&R Block Financial Advisors

Did you know that international markets represent more than half of the world’s total market capitalization?
With some of the world’s largest organizations based outside the United States, it shouldn’t come
as a surprise that sizeable foreign companies are often the leaders in a given sector of the global
economy.

As a result of healthy U.S. returns during the 1990s, investors may be overlooking the positive
performance of the global market. A decade ago, international economies were more dependent on
the U.S. economy than they are today. For years, “as the U.S. market went, so went everything else.”
But since 2000, many international markets have outperformed domestic markets. So, what’s the best
course to take with global investing?

Global Funds and International Funds
One method is to buy shares of broadly diversified international mutual funds or global funds that
include a mix of foreign and U.S. stocks. A Global Fund is a mutual fund that can invest in companies
located anywhere in the world, including your own country. International Funds include the entire world
except for your home country.

American Depository Receipts (ADRs)
ADRs are negotiable certificates issued by a U.S. bank representing a specified number of shares in
a foreign stock that is traded on a U.S. exchange (NYSE, AMEX or Nasdaq). ADRs are denominated
in U.S. dollars, with the underlying security held by a U.S. financial institution overseas. ADRs do not
eliminate currency and economic risks for the underlying shares in another country, but they do help
to reduce administration and duty costs that would otherwise be levied on each transaction, and any
dividends and capital gains are realized in U.S. dollars.

Another Way to Diversify
Currency impacts in international investing may be seen as another form of diversification. Through
investing in international markets, people can get exposure to foreign economies and companies, as
well as currency fluctuations that may provide a set of return and risk characteristics that differ from
other major asset classes. By diversifying mainly among economically developed regions, currency
volatility risk may be reduced.

Weighing the Risks
Investing internationally can provide diversification benefits above and beyond only investing domestically.
However, there are also some unique considerations that apply to international investments, such as
the potential for liquidity risk and higher taxation. And although foreign markets can be volatile, this
is often balanced by the performance potential and benefits that international equities offer. Adding
international exposure can reduce your portfolio volatility. Clearly, it’s worth taking a look at the global
market.

Are you taking full advantage of the opportunities that global investing and international equities offer?
Contact me to take a look at your portfolio allocation.

Betty Joy Poage is a financial advisor with H&R Block Financial Advisors. Her office is located at 1300 S.
University Drive, Suite 110, Fort Worth, TX 76107. Betty can be reached at 817-348-8637 and betty.poage@
hrblock.com.
For Your Information



                                                        Bad E-mail Address

                                                        Every month, e-mail sent to the following address is
                                                        returned for the reason listed:

                                                        sharonftwrth@aol.com                                    “Does not like recipient”

                                                        Please e-mail me at bgriffin@parkplazafw.com with any
                                                        correction.   Thanks!




                               The Network for Enterprising Women Monthly Newsletter
                             is available online at: www.networkforenterprisingwomen.org

                                                                                                           National Domestic Abuse Hotline
                     October                                                                                   1-800-799-SAFE (7233)
                     Birthdays
                                                                                                           Newsletter Advertising Rates
 Billie Jo Richards                                                October 16                                 Business card ad for members
                                                                                                                     1 month - $12
 Beverly Noll                                                      October 24                                        6 months - $60


                    HAPPY                                                                                  Sandra Tye is still at her
                  BIRTHDAY!
                                                                                                                 daughter’s
                                                                                                                 Cell # 817-247-5480
         H&R BLOCK
         financial advisors
                                                                                                                       Address:
         Betty Joy Poage
         Financial Advisor
                                                                                                                        S. Tye
         1300 South University Drive Suite 110
                                                                                                                   c/o Mary Lewis
         Fort Worth TX 76107-7500
         Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883                                                 5203 Wimbeldon
                                                                                                                 Arlington TX 76017
         betty.poage@hrblock.com www.hrblock.com

         Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,
         a subsidiary of H&R Block Inc. H&R Block Inc. is not a registered broker-dealer.




                                                                                                     -5-
Snippets


Snippets
                                                        Debra Mallouk – bragged that she will be
August 31, 2007                                         busy traveling. She’s being courted by a
                                                        North Carolina club with a wonderful offer.
Taylor Stephens-Parker – Let’s start with               The offer is especially tempting because “I
Sarah Walker.                                           can live right on the beach!”

Sarah Walker – “Ooh! Ooh! A recognized                  September 7, 2008
starter!
                                                        Linda Beranek – announced that on
Billye Poston – I’m Billye Poston, a happy              Thursday, October 11th the Race Street
homeowner!                                              Green Development project will be hosting
                                                        an Open House from 5 p.m. to 8 p.m. The
Nina Carty – bragged that this week she                 area restaurants will be open and a trolley
was recognized in Commissioner’s Court for              will be running. Look for your invitation
designing and writing a computer program                coming soon!
that won an award from the Texas Confer-
ence of Urban Counties.                                 September 14, 2007
Judith Clements – bragged that she’s on                 Nina Carty – announced that she will be
the Advisory Board for St. George School                displaying her photography during Spring
along with Doris Brown and Linda Beranek.               Gallery Night, 2008. She is looking for a
The first meeting was Monday night and the              place that will display it for a commission or
[N.E.W.] committee was the only one with a              for free.
report and “We blew them away!”
                                                        Linda Votaw – announced that she has the
Linda Votaw – bragged that she spent nine               opportunity to run a 23,000 acre ranch with a
days on a lake in Idaho and had a wonderful             12,000 sq. ft. house in Pinedale, Wyoming.
time. She further bragged that XTO bought               She plans to trade the Mercedes in on a
her building for a tidy sum of money. The               Jeep. She assured us that she will still be
good news is that they will net a lot of money.         in Fort Worth half time if she decides to do
The bad news is “my heart and soul is in that           this deal.
building and it’s hard.”
                                                        Keiko Couch – bragged that she and Ernest
Billye Poston – bragged that she had a                  celebrated their 44th wedding anniversary.
wonderful open house last Sunday. “Thanks
to all of you.” She now has a dining table,             Judith Clements – “The first 40 are the
dishes, and a garlic press that she doesn’t             hardest!”
know what to do with. “I want to thank each
and every one of you!”                                  During and after Betty Poage’s spotlight:

Betty Poage – “It looks great!”                         Judith Clements – “Your financial advisor is
                                                        more important than your doctor.”
Judith Wells – bragged on Taylor for the
beautiful landscaping job she did around the            Sandi Ross – “Probably diagnoses better
Wells-Edwards’ pond.                                    too!”

                                                  -6-
Snippets (cont’d.)


Judith Clements – telling how her former                Judith Wells – bragged that last Saturday
husband had snagged her with “You make                  she played her first 18 holes of golf since the
living worthwhile.”                                     accident.

Sarah Walker - “Did you use that in Court?”             Taylor Stephens-Parker – bragged on her
                                                        version of husband training because Stan
September 21, 2007                                      actually proposed and followed through on
                                                        planning a trip to Big Bend to herd cattle by
Betty Poage – announced that she was                    horseback for three days. “You can’t change
celebrating that the market had a record day            them, but they can choose to change.”
for the past 5 days this week.
                                                        Judith Wells – “With enough incentive.”
Billye Poston – “God has a weird sense of
humor. I asked God for a job, but I wasn’t              After Sarah Walker’s spotlight:
specific enough. He got me a job selling
kitchen appliances to high-end builders and             Sandi Ross – “Sarah, I don’t think I’ve ever
I don’t even have a kitchen, nor do I cook. I           said this to you before, “I love you! I believe
should have been more specific.”                        that there is no color to a soul.”

Doris Brown - “How do you eat?”                         Sarah – “I love you too!”

Billye – “I attend a lot of functions where             Sandi Ross – Sandi has the pleasure of
there is food.”                                         working with Sarah’s daughter, Charlotte.
                                                        Charlotte wanted to know if her mother ever
Billye Poston – bragged that she got                    stopped talking because, in Charlotte’s
stopped by one of Fort Worth’s finest when              opinion, Sarah can be too long-winded.
she got bumfuzzled by road construction and             (We didn’t think so.) Charlotte also fondly
accidentally ran a red light and she didn’t get         recalled that anytime Sarah planned to be
a ticket!                                               at Charlotte’s school, she would lay out
                                                        Charlotte’s clothes so the two of them would
                                                        match on that day.



                        Member Spotlight!
               Every Friday morning following brags.
   In five short minutes, you will learn the most amazing things
          about each other’s professions and businesses.
                   Want to be the in spotlight?
             Show up and sign up for the next spotlight!
     “It’s the best thing about Fridays!” proclaims, Sandi Ross.


          Come See What’s N.E.W.!
                                                  -7-
Network Spotlight

The Spotlight was on...
Betty Poage (September 14, 2007)

Betty was raised in Big Lake, Texas which has the largest natural lake in the
southwest, and “sometimes it even has water in it.” Her father was a rancher
and in the insurance business. Because math was so easy for her, Betty
obtained her Master’s in mathematics with a minor in business from Southwest
Texas State University in San Marcos. She taught math for five years following
graduation. She then worked for IBM in Raleigh, North Carolina, and ended her
career in Raleigh working for BellSouth. Betty loved her life in North Carolina, but she had no family
there. A major health issue forced her to face that fact and inspired her to move back to Texas. Her
sister and brother-in-law lived in Saginaw, Texas. Her parents were still living in Big Lake. So Fort
Worth won out as her new home!
Her father started early teaching her and her sister the value of saving. They received a 50¢ per week
allowance, but they were required to pay him back 25¢ to buy their own insurance policy. Once they
had paid $21.00 for their insurance policy, they could keep the full amount of their allowance each
week. Betty says that saving should be a priority for all of us. Everyone needs a cash reserve.
Betty loves her new job with H&R Block. She loves helping her clients get their financial act together.
Betty advised us that asset allocation should be an important aspect of your investment strategy. No
one can predict how well a particular fund will perform. So, it’s better to spread it out among several
different types of funds. Most people do not save enough for retirement or with proper diversification.
Betty is the President-Elect for Network. I am so glad she decided to return to the great state of Texas
and make her new home in Fort Worth. She has become a valued and well respected member of
Network for Enterprising Women.

Sarah Walker (September 21, 2007)

In my Thursday reminder-e-mail, I promoted Sarah as speaker for the spotlight segment of this Friday’s
morning meeting, I wrote that Sarah would tell us whatever she wanted us to know. And that she did!
Sarah called her talk, “Who Am I?” It was inspired by a Bible lesson that really got her to thinking.
Sarah was born to Mabel. Mabel was the second oldest of 11 children and the black sheep of her family.
God’s assignment for Mabel was to raise her three girls and two boys by herself. She worked three
jobs. Sarah started working with her at age 11. Mabel raised Sarah and her siblings to be “who we are
today.” She taught them to take care of themselves and while they were taking care of themselves to
learn from their mistakes.
Sarah grew up on a gravel street in a three room house in Fort Worth. There were no curbs or
sidewalks until 1998. She and her family took the bus or trolley everywhere until her mother learned
to drive at age 55. Sarah taught herself to drive at age 24. Their first car was a two-door Chevrolet
that her Mother had delivered to their front door. As children, she, her brothers and sisters made the
toys they played with. The kids enjoyed them, she thinks, more than most children enjoy the toys
they have today. Sarah told the story of how one day her sister decided not to attend school, so
Sarah decided to stay with her sister “to torment her.” When Mary complained that Sarah had not
put enough wood in the wood stove, Sarah surreptitiously took the hot plate off the stove and put it
on Mary’s seat. Mary sat down on it; and to this day, Sarah tells her, she’s “sorry.” Sarah still lives in
Network Spotlight (cont’d.)


                        the family house that her mother bought years ago. They found the original
                        deed and learned that there was deed restriction on it that land was never to be
                        sold to “n_ _____s.” (Sarah said the word, but I’ll let y’all fill it in yourselves.)
                        Sarah said that while growing up she had no idea that “I would be an incredible
                        black woman – that God had a plan for me and I would fulfill that plan.” She
                        wanted six children, but God only gave her one, Charlotte. God knew best,
                        because her daughter has given her more joy than she could ever have hoped.
                        Sarah explained to us that she has been a tremendous volunteer for the City of
Fort Worth because Fort Worth provided her a place to live, work, and be educated. She says that she
wants to be “used up when I die.” She wants the world to know that she came through here and she
made a difference. I’d say, Sarah, that you’ve done that and then some!

Surviving the Role of Convener
Reprinted with the permission of Janet McNalley Brown
Shortness of breath, heart palpitations, perspiration. To many, the thought of speaking publicly can
bring this kind of reaction. Some years ago, participants in a poll ranked public speaking as more
frightening than death. Yes, some people would rather DIE than get up in front of a group of people
and open their mouths! Seem a bit exaggerated?
Consider the thought of speaking in front of a group of dynamic, intelligent and energetic women, such
as those found at a Network meeting. For the first-timer, the task can be intimidating. Even many of
the regular attendees occasionally decline to introduce themselves, or “sneak in” after introductions.
So, imagine trying to reel in this crowd of women as the convener. Sure, there’s a “cheat sheet” that
can be followed. But the script doesn’t provide directions on some of the finer nuances of public
speaking.
I hadn’t really considered convening as intimidating, much less nerve-wracking, until I tried to find 12
women to do it. Some politely declined. One adamantly refused. Then, I reflected on some of my
own experiences and vowed to be more considerate, especially with a novice. These are some of my
thoughts:
    • Please keep in mind that ‘the rules” are given to the convener. Although she is allowed to add
      a minor personal touch, there are certain restrictions. If you have comments or suggestions,
      please speak to me or another board member.
    • Please do not carry on a side conversation. This can be distracting for the convener. Besides,
      it makes it harder for everyone to hear. (Did you know Kathy can read lips? Well, at least
      when it relates to food!)
    • If the convener “makes a mistake,” someone near her will gently remind her. Remember, this
      is a room full of Type As. You are not responsible. And, if something is forgotten, life will go
      on. I promise.
My goal is not to become known as the Emily Post of Network. I enjoy the occasional wise remark (and
am guilty of each of these things myself.) Convening is a learning experience, even for us “old folks.” If
we continually correct, the lesson may be lost. Please join me in showing our conveners the patience,
courtesy and respect they deserve. If it were easy, no one would have refused.
Thank you!
The Winds of Change
                                                        ~ MEETINGS ~
                                                         Friday mornings
                                                               at the
                                                          7th Street Grill
              Network at Nite                               at 7:30 a.m.
         The Second Monday of Every Month               7th St. & Lamar in
  Mark your calendars, you want to remember the date!       Downtown

              Monday, October 8th                        Monday, Oct. 8th
 Winestyles in Montgomery Plaza at 5:30 p.m.              at 5:30 p.m. at
                                                          Winestyles in
                 Cost is $5 per person                  Montgomery Plaza
  Hors d’oeuvres will be served - Drinks are extra

       Reservations are requested - Ann Dunkin
  ann@paralegalsplus.com by 5:00 pm Thurs., October 4
      Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


   Notable Quote




    The here and now is all we
    have, and if we play it right
        it’s all we’ll need.
                   Ann Richards
                                       November
                                                                              INSIDE THIS
                                         2007                                   ISSUE:
                                       Newsletter
                                                                                 Holiday
                                       Volume 30, No. 11
                                                                               Happening
                                                                                Invitation
President’s Message
Judith Wells
                                                                             2008 Officers
                               The Holiday Season                               Ballot
                                  Approaches
                                                                            Ruth Marie Cox
                           The holiday season is just about upon us.
                           As of this writing, there are 65 days until
                                                                           Nomination Form
                           Christmas and by the time you actually read
                           this, there will be even less. Now, don’t you
                           feel better?                                         Got Stuff?
                           In keeping with the uplifting atmosphere
                           of the holiday season, Network is planning
                           a very nice Holiday Happening thanks
                                                                               UPCOMING
                           to Linda Beranek and Ann Duncan. Our                 EVENTS:
Network Holiday will be happening at a new restaurant that Linda found
(she always knows the bestest places!) called the Trinity Bistro.
                                                                                Holiday
The Trinity Bistro is located at 702 N. Henderson Street just outside of       Happening
downtown Fort Worth. Steve, the owner, is closing the restaurant just
for us and has designed a marvelous dinner consisting of appetizers,          December 12
an entree, and dessert for only $20.00 per person.

Plus our gluten-free members will have tasty selections suited to their    Network at Night
needs. Network will be providing the wine since he doesn’t have his
liquor license yet.                                                         November 12
Mark your calendar for Wednesday December 12th at 6:30 p.m. and be
sure to invite any guests of your choosing. RSVP to Ann Duncan (ann@paralegalsplus.com) or Linda
Beranek (linda.beranek@sbcglobal.net).

Thanks to Linda and Ann for arranging this for us!

Look in this issue for your membership renewal form and officer ballot form. Now is the time for all good
women to come to the aid of Network by renewing their membership. Please get your ballots mailed
in by December 5, 2007.

November is the month of thanksgiving. I give thanks for all of you who have made being President of
Network such a pleasure. I wish each of you a wonderful Thanksgiving!
    You and your guests are cordially invited to the



Network Holiday Happening
  Wednesday, December 12, 2007
                at 6:30 p.m.
                Trinity Bistro
        702 N. Henderson St., Fort Worth, Texas

               $20.00 per person


                                       Le Menu
                                          Appetizer

                                      Tomato Bruschetta
                                     Cucumber Spread, or
                                       Individual Quail

                                            Salad
                                 Small Caesar or Mixed Green

                                            Entrée
                               Chicken Breast with Mango Salsa
                                    Grilled Mahi Mahi or
                                   Stuffed Pork Tenderloin

                                          Dessert
                                       Chocolate Cake
                                       Cup of Fruit or
                                         7-Up Cake


            R.S.V.P. by December 7th to
     Ann Duncan at ann@paralegalsplus.com or
   Linda Beranek at Linda.beranek@sbcglobal.net
2008 Officers Ballot
                                       2008 OFFICERS BALLOT
                                         Slate of Candidates 2007-2008

    Office                       Candidate                    Approved                    Write-In
President:                      Betty Poage                                      _______________________
President Elect:                Sandi Ross
                                                                  
                                                                  	              _______________________
Vice President:                 Macy Missildine
                                                                  
                                                                  	              _______________________
Secretary:                      Ann Dunkin
                                                                  
                                                                  	              _______________________
Treasurer:                      Taylor Stephens-Parker
                                                                  
                                                                  	              _______________________
Ex-Officio:                     Judith Wells
                                                                  
The Following Directors Have Been Appointed:                            Please Write in Your Choice for
Financial:              Eloise Foltes                                        Convener of the Year
Hospitality:            Kay Wright
Publications:           Doris Brown                                 ________________________________
Membership:             Judith Clements                                   Please Date Your Ballot
Social:                 Linda Beranek
Historian (non-voting): Lydia Laskey                                      Date: __________________

                          Complete and return no later than November 30, 2007
                                                               Network for Executive Women
    MAIL BOTH FORMS TO:                                              P. O. Box 101165
                                                                Fort Worth TX 76185-1165
                                Membership Information - 2008
                   Complete and return no later than January 12, 2008
(Please Print)
Last Name ___________________________________ First Name _______________________

Company ___________________________________________                         Title ____________________

Business Address         _________________________________ City _____________ Zip ______

Category of Business/Nature of Duties _______________________________________________

Home Address _____________________________________ City _____________ Zip ______

Home Phone ______________ Fax ________________ E-Mail ________________________

Birthday (Optional) (Month/Day) _________ Prefer to receive Newsletter at: 	Home 	Office
                                                 	E-mail: ___________________________
 Membership Dues: $50 $ ______                                    For use by Network Officer:
 Directory:                $ 5 $ ______
 TOTAL ............................... $ ______    Received $ ______ Date ________ Check # _______
 NOTE: Please pay by CHECK ONLY!
NOTE:     The information you provide on this form will be used for the 2008 Membership Directory. You may provide
          additional information on the back of this form if you desire.
Ruth Marie Cox Award Nomination Form

                                RUTH MARIE COX AWARD
                                  NOMINATION FORM
The Ruth Marie Cox Award recipient is selected from nominations given to a committee consisting of
the President, President-Elect, and the Vice President and is usually awarded at a special event in
October. I wish to nominate the following individual as recipient of this award.

         Nominee name: ___________________________________________________

I believe the Nominee meets or exceeds the following award guidelines:

   1. Maintains active attendance/participation in Network for Enterprising Women activities and
      encourages others to become more active.
   2. Acts as a mentor to other Network for Enterprising Women members and has a positive
      approach to life in general.
   3. Has held membership in the Network for Enterprising Women for a minimum of three (3)
      years and is currently a member in good standing.
   4. Exhibits positive character traits and strong personal ethics.
   5. Is involved in other community activities which enable her to share elements of those activities
      with the Network for Enterprising Women.

I understand that the following persons are NOT eligible to be nominated for the 2007 award:

   1. The Award Selection Committee comprised of Judith Wells, Current President, Betty Pogue,
      President-Elect, and Keiko Couch, Vice President.
   2. Any individual or member receiving monetary compensation for their services on behalf of
      Network for Enterprising Women.

In support of this nomination, I have attached to this form a statement setting out the reasons for my
nomination of this individual. Secondarily (although, optional), I may attach letters of recommendation
from other individuals (not necessarily Network members) within the local community who are well
acquainted with the nominee and join me in this nomination process.

Date: _____________________              Signed: _________________________________________

Printed Name: ____________________________________________________________________
Address: ________________________________________________________________________
          ________________________________________________________________________
Telephone: _______________________________________________________________________

                         Mail this Nomination Form (and all attachments) to
                                   Network for Enterprising Women
                                          P.O. Box 101165
                                    Fort Worth, Texas 76185-1165
                                   Or e-mail to: JGWTx@aol.com
            Or hand-deliver to a current Network for Enterprising Women Board Member.
                                   Deadline: Decemeber 15, 2007
For Your Information


                                                 Member Spotlight!
                Every Friday morning following brags.
    In five short minutes, you will learn the most amazing things
           about each other’s professions and businesses.
                          Want to be the in spotlight?
                    Show up and sign up for the next spotlight!
      “It’s the best thing about Fridays!” proclaims, Sandi Ross.


           Come See What’s N.E.W.!

                                  The Network for Enterprising Women Monthly Newsletter
                                                   is available online at:
                                          www.networkforenterprisingwomen.org

                                                                                                       Bad E-mail Address
                  November
                  Birthdays                                                                            E-mail sent to frankyebruce@sscoaching.com
                                                                                                       has been returned lately because it “Does not
   Eloise Foltes                                                         Nov. 14                       like recipient.”
   Carol Norfleet                                                        Nov. 16
                                                                                                       Please send an e-mail to bgriffin@parkplazafw.
   Ann E. Dunkin                                                         Nov. 20                       com with the correction.     Thanks!
   Judith Wells                                                          Nov. 28

                           HAPPY
                         BIRTHDAY!

                                                                                                           National Domestic Abuse Hotline
         H&R BLOCK
         financial advisors                                                                                    1-800-799-SAFE (7233)
         Betty Joy Poage

                                                                                                           Newsletter Advertising Rates
         Financial Advisor



                                                                                                              Business card ad for members
         1300 South University Drive Suite 110
         Fort Worth TX 76107-7500
         Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883
         betty.poage@hrblock.com www.hrblock.com                                                                     1 month - $12
         Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,
         a subsidiary of H&R Block Inc. H&R Block Inc. is not a registered broker-dealer.                            6 months - $60
                                                                                                     -5-
The Winds of Change
                                                        ~ MEETINGS ~
                                                         Friday mornings
                                                               at the
                                                          7th Street Grill
             Network at Nite                                at 7:30 a.m.
         The Second Monday of Every Month               7th St. & Lamar in
  Mark your calendars, you want to remember the date!       Downtown

           Monday, November 12th                        Monday, Nov. 12th
 Winestyles in Montgomery Plaza at 5:30 p.m.             at 5:30 p.m. at
                                                          Winestyles in
                Cost is $5 per person                   Montgomery Plaza
  Hors d’oeuvres will be served - Drinks are extra

       Reservations are requested - Ann Dunkin
 ann@paralegalsplus.com by 5:00 pm Thurs., November 8
      Please put “Network at Night” in subject line




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165


   Notable Quote




    Winning has always meant
      much to me, but winning
    friends has meant the most.
      --Babe Didrikson Zaharias
                                        December
                                                                               INSIDE THIS
                                          2007                                   ISSUE:
                                        Newsletter
                                                                             Financial Planning
                                        Volume 30, No. 12
                                                                                Betty Poage
President’s Message
Judith Wells
                                The Holiday Season                              UPCOMING
                                   Has Arrived!                                  EVENTS:
                            I have forgotten much, but still remember
                            The poinsettia’s red, blood-red in warm           The Giving Tree
                            December.1 At this writing, it appears that
                            we are in for a warm December, so I thought       Sue Churchill
                            this quote appropriate.
                             I hope all of you will join me at our Holiday
                                                                             Memorial Service
                             Happening on December 12, 2007 at Trinity
                             Bistro, a new restaurant just outside of            Holiday
                             downtown Fort Worth. It’s only $20.00 per
                             person. Bring your whole family! Invite
                                                                                Happening
                             former members! Bring current members
                             whom we haven’t seen in a long time! We’d       Judith Clements’
love to have a large, happy gathering. The more the merrier! If you
wish to wine while you dine, bring your own wine. Linda Beranek has           New Year’s Day
worked very hard to make this a wonderful event. The owner is closing              Party
down the restaurant just for us. Your check is your reservation. You
can RSVP to Ann Duncan or Linda and mail your check to the Network
post office box, or if you wish, you can pay via our web site thanks to         2008 Annual
Nina Carty! Please come!                                                          Meeting
The November Wine Styles group made the executive decision that
Network will not be meeting at Wine Styles in December. This is what
I love about Network – we are take-charge women! Of course, this is a wonderful decision because we
want everyone to come and wine and dine at The Trinity Bistro on December 12th! Our Wine Styles
meetings will resume on January 14th.
Don’t forget our annual meeting. Betty Poage, our 2008 Network President, is planning a great annual
meeting. Mark your calendars January 12, 2008 at 9:00 a.m. Details will be forthcoming on when, where,
and how much. The Ruth Marie Cox Award will be presented at that time. We hope to see you there!
Let’s get your Ruth Marie Cox nominations in to any Board member. If you are unsure if your nominee
qualifies in terms of years with Network, just nominate her anyway. The Committee will determine if all
nominees qualify.
I want to take this time to wish each and every one of you a wonderful holiday season! My family is
already starting to enjoy ours since my Mother’s successful surgery and continuing improvement and
recuperation. I can only hope that each of you are equally blessed!

1
    Claude McKay (1890-1948)
    You and your guests are cordially invited to the



Network Holiday Happening
  Wednesday, December 12, 2007
                at 6:30 p.m.
                Trinity Bistro
        702 N. Henderson St., Fort Worth, Texas

              $20.00 per person
             Bring Your Own Wine

                                       Le Menu
                                          Appetizer

                                      Tomato Bruschetta
                                     Cucumber Spread, or
                                       Individual Quail

                                            Salad
                                 Small Caesar or Mixed Green

                                            Entrée
                               Chicken Breast with Mango Salsa
                                    Grilled Mahi Mahi or
                                   Stuffed Pork Tenderloin

                                          Dessert
                                       Chocolate Cake
                                       Cup of Fruit or
                                         7-Up Cake


            R.S.V.P. by December 7th to
     Ann Duncan at ann@paralegalsplus.com or
   Linda Beranek at Linda.beranek@sbcglobal.net
           Get into the spirit of giving with…

          “The Giving Tree” 2007




 “The Giving Tree”, provided by The Parks at Arlington, in conjunction with
     Girls Inc. of Tarrant County and Big Brothers Big Sisters provides
  Christmas presents to our youth who receive programs and services from
                         Girls Inc. of Tarrant County.

   We rely on volunteers to help us with “The Giving Tree.” This year Girls
  Inc. of Tarrant County’s volunteers, Board and Advisory members, staff and
the community will volunteer at the tree starting December 5th- December 17th
           during holiday hours of operation at The Parks at Arlington.

       If you are interested in volunteering your time to work a shift at
  “The Giving Tree” or for more information, please contact our Marketing
 Director, Michelle Autry, at 817-468-0306 or mautry@girlsinctarrant.org or
                 visit our website at www.girlsinctarrant.org.

                       Thanks for all of your support!

                        Girls Inc. of Tarrant County
                            2820 Matlock Road
                         Arlington, Texas 76015
                         www.girlsinctarrant.org
Upcoming Events


  SAVE THE DATE!                                                                                      MEDICARE MINI-WORKSHOP
                                                                                                      The Facts........Past, Present & Future


   2008 Annual Meeting                                                                                Where: H&R Block Conference Room, 1300
                                                                                                             University Drive, #110, Fort Worth, TX
             January 12, 2008                                                                                76107
                                                                                                      When: December 19, 2007, at 5:30 p.m.
                                                                                                      Who:   Any Network Member or their guest
                 Details to follow                                                                    RSVP: Sandi Ross @ sandiross@sbcglobal.
                                                                                                             net by December 16, 2007

                                                                                                             Space is limited to 20 participants

                                                                          a
                                                                                                              2008 Flower Cards - $25
                                                                                                             Contact Emelia Hoefle at 817-249-1026




                  December
                  Birthdays
   Patricia Cheong                                                        Dec. 4
   Annette Addis                                                          Dec. 6
   Doris Brown                                                            Dec. 7
   Sharon Moore                                                           Dec. 11
   Margaret Estes                                                         Dec. 25
                           HAPPY
                         BIRTHDAY!

        H&R BLOCK                                                                                          The Network for Enterprising Women
        financial advisors                                                                                         Monthly Newsletter
        Betty Joy Poage
                                                                                                                  is available online at:
        Financial Advisor                                                                                 www.networkforenterprisingwomen.org
        1300 South University Drive Suite 110

                                                                                                          National Domestic Abuse Hotline
        Fort Worth TX 76107-7500
        Tel 817 348 0791 Fax 817 348 9872 Toll free 800 992 2883
        betty.poage@hrblock.com www.hrblock.com

        Securities products offered through H&R Block Financial Advisors, Inc., member NYSE/SIPC,
        a subsidiary of H&R Block Inc. H&R Block Inc. is not a registered broker-dealer.
                                                                                                              1-800-799-SAFE (7233)
                                                                                                    -4-
Sue Churchill
Memorial Service:
 Saturday, December 8, 2007 at 11:00 a.m.
 First Jefferson Unitarian Universalist Church
1959 Sandy Lane
Fort Worth, TX 76112

Carol Savage remembers Sue Churchill, Ph.D. “Several of us knew Sue Churchill
very well back in the early 80’s. In thinking about it, most of those people have
already passed on. We had a very small group, meeting at the Pancake house on
Wednesday and Friday mornings. She was such a dynamic and personable lady.
She and I bonded immediately, feeling as if we had known each other always.

My life was just taking on several changes, such as moving back into Fort Worth,
becoming a Realtor, getting a divorce, living by myself for the first time in my life. Sue took me on and really
encouraged me to bring my best forth. Without Sue & Bertha, I would not have survived 28 years in real estate.
Sue was much loved by all of us. Sue was Network all rolled up into one person.”


This I know…
Judith Eads Clements

Recently the Network nominating committee met; as I had been “volunteered” by our esteemed president,
I thought it only polite to meet my commitment and show up at the designated meeting place, Betty
Poage’s H & R Block office, on time and ready to contribute. As you might imagine, we had already
done a little ground work at the previous board meeting by proposing some of the positions to several
current board members. Happily, our requests had been met with encouraging enthusiasm and so the
committee felt we were well on our way toward the proposed 2008 slate of officers and directors. Little
did Betty and I know another member of the committee, who arrived a little latter, would flatly defy my
assumption that she would be a hard sell as we “pitched” the idea of her taking a place on the future
ballot as president elect. How could we have possibly known she would be so anxious and delighted to
accept our suggestion? Thrilled with this member’s obvious enthusiasm, we continued the meeting and
went about our collective task of completing our list of potential executive officers and directors. Betty
suggested a name for treasurer, and believing I might have an inside track into the member’s ultimate
refusal to accept this office, I convinced the committee the chances were slim to done that she would
agree to appear on the upcoming ballot as she and her husband were looking forward to doing a lot
more traveling and this very responsible office would interfere with her personal life. So convincing was
I that we went on and considered others for that office.

Now, fast forward sixteen days (two weeks and two days) later and imagine my delight when this same
member, who I believed would not consider an executive office, said “yes”.

This I know for sure…
It might very well be a big mistake for us to assume…anything. My assumptions were motivated out
my respect for these two members’ personal lives. This well-intentioned assumption on my part could
have denied NETWORK of two officers who, not only have a long and respected history with our
organization, but were eager to serve. Well, you know what they say about assuming anything. (If you
don’t know, I’ll tell you later.)
                                                 -6-
Financial Wisdom

Financial Planning--Helping You See the Big Picture
By Betty Joy Poage


Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are
a few of the financial goals that may be important to you, and each comes with a price tag attached.
That’s where financial planning comes in. Financial planning is a process that can help you reach
your goals by evaluating your whole financial picture, then outlining strategies that are tailored to your
individual needs and available resources.

Why is financial planning important?
A comprehensive financial plan serves as a framework for organizing the pieces of your financial picture.
With a financial plan in place, you’ll be better able to focus on your goals and understand what it will
take to reach them.

One of the main benefits of having a financial plan is that it can help you balance competing financial
priorities. A financial plan will clearly show you how your financial goals are related—for example,
how saving for your children’s college education might impact your ability to save for retirement. Then
you can use the information you’ve gleaned to decide how to prioritize your goals, implement specific
strategies, and choose suitable products or services. Best of all, you’ll have the peace of mind that
comes from knowing that your financial life is on track.

Financial Planning Concerns




The financial planning process
Creating and implementing a comprehensive financial plan generally involves working with financial
professionals to:

       • Develop a clear picture of your current financial situation by reviewing your income,
         assets, and liabilities, and evaluating your insurance coverage, your investment portfolio,
         your tax exposure, and your estate plan
       • Establish and prioritize financial goals and time frames for achieving these goals
       • Implement strategies that address your current financial weaknesses and build on your
         financial strengths
       • Choose specific products and services that are tailored to meet your financial
         objectives
       • Monitor your plan, making adjustments as your goals, time frames, or circumstances
         change
                                                   -7-
Financial Wisdom (cont’d.)

Common financial goals
       • Saving and investing for retirement
       • Saving and investing for college
       • Establishing an emergency fund
       • Providing for your family in the event of your death
       • Minimizing income or estate taxes

Some members of the team
The financial planning process can involve a number of professionals.

Financial planners typically play a central role in the process, focusing on your overall financial plan,
and often coordinating the activities of other professionals who have expertise in specific areas.

Accountants or tax attorneys provide advice on federal and state tax issues.
Estate planning attorneys help you plan your estate and give advice on transferring and managing your
assets before and after your death.

Insurance professionals evaluate insurance needs and recommend appropriate products and
strategies.

Investment advisors provide advice about investment options and asset allocation, and can help you
plan a strategy to manage your investment portfolio.

The most important member of the team, however, is you. Your needs and objectives drive the team,
and once you’ve carefully considered any recommendations, all decisions lie in your hands.

Why can’t I do it myself?
You can, if you have enough time and knowledge, but developing a comprehensive financial plan may
require expertise in several areas. A financial professional can give you objective information and help
you weigh your alternatives, saving you time and ensuring that all angles of your financial picture are
covered.

Staying on track
The financial planning process doesn’t end once your initial plan has been created. Your plan should
generally be reviewed at least once a year to make sure that it’s up-to-date. It’s also possible that you’ll
need to modify your plan due to changes in your personal circumstances or the economy. Here are
some of the events that might trigger a review of your financial plan:

       • Your goals or time horizons change
       • You experience a life-changing event such as marriage, the birth of a child, health
         problems, or a job loss
       • You have a specific or immediate financial planning need (e.g., drafting a will, managing
         a distribution from a retirement account, paying long-term care expenses)
       • Your income or expenses substantially increase or decrease
       • Your portfolio hasn’t performed as expected
       • You’re affected by changes to the economy or tax laws

                                                   -8-
Financial Wisdom (cont’d.)



Common questions about financial planning

What if I’m too busy?
Don’t wait until you’re in the midst of a financial crisis before beginning the planning process. The
sooner you start, the more options you may have.

Is the financial planning process complicated?
Each financial plan is tailored to the needs of the individual, so how complicated the process will be
depends on your individual circumstances. But no matter what type of help you need, a financial
professional will work hard to make the process as easy as possible, and will gladly answer all of your
questions.

What if my spouse and I disagree?
A financial professional is trained to listen to your concerns, identify any underlying issues, and help
you find common ground.

Can I still control my own finances?
Financial planning professionals make recommendations, not decisions. You retain control over your
finances. Recommendations will be based on your needs, values, goals, and time frames. You decide
which recommendations to follow, then work with a financial professional to implement them.



For any questions regarding this article please contact Betty Joy Poage with H&R Block Financial
Advisors. Betty Joy Poage is a Financial Advisor for H&R Block Financial Advisors located in the firm’s
Fort Worth, TX office. Betty can be reached at (817)348-8637 and betty.poage@hrblock.com.

This piece was not authored by the financial advisor. This educational piece was provided by Forefield, Inc.

Investment services and securities products offered through H&R Block Financial Advisors, Inc., member FINRA/SIPC,
a registered broker-dealer, registered investment adviser and subsidiary of H&R Block, Inc. Annuities and Life Insurance
products are provided by various Insurance Companies and are offered through H&R Block Financial Advisors, Inc.
Insurance services offered in Massachusetts through H&R Block Insurance Agency of Massachusetts, Inc. Tax services
offered through subsidiaries of H&R Block Services Inc. Banking services are offered through H&R Block Bank.

H&R Block, Inc., H&R Block Services, Inc. and H&R Block Bank are not registered broker-dealers or registered investment
advisers. Securities and Insurance products are: not a deposit, not FDIC insured, not insured by any federal government
agency, not guaranteed by H&R Block Bank or any other bank, and may go down in value.
Any tax or legal statements contained herein are general and for education or informational purposes only. This piece is
being distributed for educational and informational purposes only and was derived from sources believed to be reliable.
H&R Block Financial Advisors does not offer accounting, banking, commodities, estate planning, Governmental program,
legal, real estate or tax advice. Federal laws and those of a specific state or laws relative to a unique individual situation may
affect applicability, accuracy and completeness of this information. You should consult with your own expert in the related
field for advice regarding your specific situation.

H&R Block Financial Advisors is not affiliated with Forefield, Inc. The information and opinions contained herein are the
property of Forefield Inc., and these opinions are not necessarily those of H&R Block, Inc. or H&R Block Financial Advisors,
Inc. Forefield Inc. is responsible for the accuracy of all content.


                                                              -9-
                  NEW YEAR’S DAY
                     PARTY !!
                                             ~ MEETINGS ~
                Bring house guest, friend,
                 and any man who can          Friday mornings
                handle a house full of my           at the
                   friends is welcome.         7th Street Grill
                                                 at 7:30 a.m.
                                             7th St. & Lamar in
   11:00 a.m. to 2:00 p.m.                       Downtown
When you contact me that you are coming,     Monday, Jan. 14th
let me know what (or if) you are bringing
                                              at 5:30 p.m. at
     food, etc. and about what time
                                               Winestyles in
              you’ll be here.
                                             Montgomery Plaza
            Judith Clements
          3603 Trail Lake Drive
            817-207-9434




NETWORK for Enterprising Women
P. O. Box 101165
Fort Worth TX 76185-1165

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:37
posted:8/9/2011
language:English
pages:106