How To Eliminate Frustration, Hurt And Pain To Feel Happiness Again | Terrie Christine

Relationships, disappointments, and financial stress can go from being uncomfortable to unbearable. The end results from just “dealing with it” can cause the frustration, hurt and pain to spiral into an endless hole.

Now more than ever, it is important to practice taking care of you. This quote makes me laugh every time. “The best place to find a helping hand is at the end of your own arm.”

Jump start 2017 with these 5 simple steps:

  1. Embrace the Negative

In order to appreciate the good stuff that happens in your life, you must experience what you feel as unpleasant. Emotions are your reality. We are human and will always have them. When you are mad, allow yourself to be mad.

Take your time. Allowing yourself to spend time with unpleasant feelings, will provide the opening to the truth behind the emotion.

  1. Express Gratitude

Gratitude is a feeling from within that sprouts from your heart. Gratitude should be treated like a life-style and should flow generously and not be dished out randomly.

As you live your life in gratitude, you will find yourself being drawn towards focusing on all the good things around you. Even the smallest of small elements in your life become an opportunity to celebrate.

When you live in gratitude, your attention is placed in the present moment where your senses and emotions are heightened.

Let me help you see all the things around you to be grateful for.

  • As soon as you open your eyes in the morning, thank your pillow and bed for a good night’s sleep.
  • While in the shower, be aware and feel grateful for the warmth of the water on your skin and how magnificent it feels. We all know what a cold shower feels like.
  • As you are getting dressed, feel grateful towards yourself for having the ability to purchase nice clothes that feel and look great.
  1. Ask For What You Want

“WWIT” stands for “What will it take?” When you are looking to attract what you desire in your life, you can simply ask the universe in question form. By starting each question with “what will it take?” you will find this similar to when you ask a friend a question. This is an easy, yet profound way to set your intent as to what experience you want to show up in your life.

  1. Meditate

Meditation is the #1 element that you must include in your life, daily. There are some great meditations to start with on my website.

  1. Look Into Mirror

Let me introduce you to the mirror technique. It is a simple and yet profound way to reconnect to the love you feel which no longer exists.

Stand in front of a mirror. Look at your reflection pupil-to-pupil and simple say “I love you. I love you very much. You are the one I love. I love you with all my heart. You are awesome and I love you .” Give yourself 3-4 minutes in front of the mirror repeating these lines many times, in random order and several times thought out the day. Keep practicing every day until it feels comfortable, natural and juicy.

By feeling this love from within, you will discover that you no longer seek to fill a void. The only void that existed in your life was the disconnect you had from your own inner love.

Let’s Do Lunch and Look Good Too | Robin Finnell | The Doncaster Collection

LWM_MJ15_web_Page_11Women lunches, power lunches, ladies lunches, charity lunches, Lunch and Learns, birthday lunches, lunches with our gal pals and let’s not forget, brunch. WHAT TO WEAR? So many choices, I want them all!

Did you know that every woman can look fabulous in today’s top trends regardless of her body type? It just takes knowing what the right styles and colors are, for your specific body, hair color and skin tone. Defining your personal style can makes you feel comfortable and look confident. We come in all sizes and shapes. The five basic body types are: triangle, inverted triangle, rectangle, oval and hourglass. Ultimately the goal is creating balance to allow us to ROCK our clothing. Necklines, collar types, sleeve lengths, jacket lengths and shapes, princess seaming, waistline placement or lack of a waistline, hem lengths, skirt shapes, pant shapes, leg openings, hem heights, all have an effect on how clothing fits your body and either enhances or detracts.

Skin tones can be warm, cool or neutral. The right color will complement your skin tone and make you appear rested and alive. The wrong color will have the opposite effect and you’ll look tired or ill. Have you ever felt really good and have someone ask you if you are tired? Conversely, have you ever been tired and had someone say how great you look? Color is a powerful tool!

So what ARE we wearing for all these wonderful lunches? Ladies who lunch have a spectrum of options. DRESSES are the prevailing choice, especially for younger women, although admired and worn by all. Prints or solids, embellished or plain, shirtwaist, empire waist, or no waist; sleeveless, cap, short, three-quarter length, bracelet, or long sleeves.

Sheaths still run the show, yet A-lines, and full-skirted dresses are popping up everywhere. Throw on a jacket, cardigan, bolero and your look becomes more professional. SUITS have come a long way! Seldom do you see a basic black or navy suit. Bright colors are “in,” especially for spring! Fabrics range from multi-color tweed to jacquard prints, to colored washed denim. Important elements are embellishments, fringe, color blocking, and mixed media. Going somewhere fun? Add a hat or fascinator!

SOFT SUITING is another “go to” option. Knit jackets and cardigans can be just as elegant when paired with flirty or pencil skirts. Pants are still a wardrobe staple and the new wide leg is comfortable and glamorous. Pair it with a simple sweater and statement necklace or fabulous pearls. The skinny leg pant with a jacket and scarf is an easy look and will take you to more casual venues. Now that we are dressed and ready dine, the next question is WHERE to go? So many choices, I want to try them all!

By Robin Finnell, Wardrobe Stylist


Heart Smart Help For Her | February is Heart Disease Month

LWMJanFeb2015-smallfinal_Page_11Many believe the leading cause of death among women is cancer. If that is what you think, you are NOT alone. Unfortunately, you are not correct. The leading cause of death among women is HEART DISEASE. Yes, heart disease.

According to the American Heart Association heart disease is responsible for one in every three woman’s deaths per year. Worse yet, many still believe that heart disease is a man’s disease. It is NOT. In fact since 1984 women continue to die from heart disease at a growing and rapid rate.

So, you ask…What should women do to prevent heart disease?

1. Take Responsibility.

Women must take responsibility for her personal health and well being. Generally the care giver of her family, women are good at helping and encouraging others – family, friends but not diligent when it comes to her self. Every woman’s  first defense and motto going forward must be TAKE CARE OF ME – FIRST.

The best prevention against heart disease is to understand the risks and treatment options if heart disease and stroke history are apparent. Ask your health provider questions. Before visiting the doctor’s o ce be prepared. Take a pen and pencil with you. Ask questions – lots of them and write the answers down. Share your family’s history with your health provider. The information shared will become a part of the permanent health record. Especially share the information if heart disease and stroke are a part of your DNA. Your health history matters.

2. Know YOUR Risks- At EVERY Age.

The older one is the greater the risk factors for cardiovascular disease. Be diligent and focused. Recognize and honor your genetic make-up. If a family member has a history of cardiovascular disease, i.e. parents, siblings, grandparent – your risk is much greater.

3. DO NOT SMOKE, Not Now, Not EVER!

The evidence is overwhelming. Cigarette smoking and second hand exposure to smoking increases the risks of heart disease, lung cancer and stroke.

4. Keep the Pressure DOWN.

Hypertension also known as high blood pressure is the “silent killer.” It often goes without symptoms. Checking with your Doctor or health provider is a must on a regular basis – especially if there is a family history of high blood pressure. Heredity and increasing age raises the risk.

5. The Number Counts – Monitor Cholesterol.

Abnormal or high blood lipids (fats) are a major contributor to cardiovascular disease. Blood lipids include the LDL (bad cholesterol), HDL and triglycerides. The lower one’s LDL and the higher HDL, the better. If one is at risk, check with your Physician. Diet may or may not help. Medication may be the best prevention.

By Dorri C. Scott, MSW

Neck-less: Have You Ever Wanted a Tighter More Youthful Neck But Were Afraid of Major Surgery or Scars?

LWMNovDec2014small_Page_15Are you tired of looking in the mirror, only to see a turkey gobbler or asking yourself the question: What happened to my neck?? Many people have the same problem. After you have exhausted all the creams, exercises and supplements, we suggest a more effective solution: SmartLipo of the neck.

As we age gravity takes its toll; structures of the face, neck and body start to lose tone and begin to sag. Depending on the severity and the desired results there are now methods which are less invasive to turn back the clock.

One of patient’s most common complaints when feeling like they are looking older is that their neck is either fuller than they want, that their skin sags or both. In the past the most common method to address these concerns was either Liposuction (not good in patients with poor skin laxity), a formal neck lift requiring a more invasive approach including scars in front and behind the ears, or a combination of both procedures.

With two new, exciting procedures, SmartLipo or The Precision Treatment, the neck can now be improved with a minimally invasive procedure done in the office under local anesthesia, thereby avoiding high costs and hospital stays. This also means minimal scars near the ears, little discomfort and almost no downtime.

SmartLipo uses a high powered laser, in conjunction with small cannula liposuction to remove excess fat in the neck and tighten the skin with minimal scars and a very short downtime. In patients with minimal or no excess fatty tissue but with loose skin the Precision Treatment is ideal. Using the same high powered laser as SmartLipo but with a specialized fiber that allows bi-directional delivery of laser energy, the skin can now be tightened without skin removal and again with minimal scars and downtime. Another benefit of these procedures, not seen with the more invasive surgeries, is that collagen is stimulated making the skin look healthier and smoother.

Although not for everyone, the most common patients looking for these new procedures are:
• Patients who want results but aren’t ready to go under the more extensive, invasive procedures
• Patients who aren’t yet a candidate for a facelift and want more definition in their neck or along their jaw
• Cost-conscious patients & those who can’t financially afford a surgical facelift
• Patients who have already undergone a surgical facelift and are looking for a minimally invasive treatment to maintain their look.

To learn more about these exciting options to have a younger looking neck, call and schedule a complimentary consultation (703) 421-6000 or visit

By: Peter Klainer, M.D., F.A.C.S.

Obstinate, “She-Warrior” and the Power of HOPE | Breast Cancer Awareness

LWMSeptOct2014-Final_Page_19The call came at 8:21 am on Friday, May 31st, 2013. A memory that will be forever etched in the granite of my life. I had undergone an excisional biopsy earlier that week which was the surgical culmination of my breasts being extensively tracked, monitored, examined, poked, squeezed, mammo’d, ultrasounded, MRI’d, and needle biopsied since 1996. May 31st is made even more memorable because I was in the bathroom sitting “mid-stream” when my cell phone rang. I looked down and saw it was Dr. M – and wished like heck I had done more kegelling.

“As I hurriedly “clamped down” before the call kicked to voice mail, I was immediately consumed with good news-bad news anxiety. Do doctors call at eight o’clock in the morning with bad news? Or does bad news keep til business hours?”

“Eileen, you have breast cancer. It’s called DCIS… ductal carcinoma in situ.”

Later, after further pathology, we learned I had extensive DCIS from my chest wall to the nipple and also LCIS. And so I was issued my membership in the pink ribbon union. This was just the first step of a million along a path of unknown terrain. I am still working every day to navigate it, some good, some not-so-good.

I had entered a whole new world and nothing…not even my 24-year career as a US Air Force officer and pilot with combat time…had prepared me for this. But I am not one who “goes gently into that good night” –  it is just not part of my DNA. I dove head-long into educating myself on breast cancer and quickly figured out that it is an industry unto itself with its own unique protocols, medical jargon, conversational lexicon, and culture. Hours at my dining room table in front of my laptop turned into days which turned into weeks as I struggled to understand my form of breast cancer, what the standard of care is, how I should be treated, where I could be treated, and what my recovery would consist of.

Most difficult and destabilizing of all, however, was the fight to figure out how I was going to pay for it all. Despite having both military retiree health insurance and being a service-disabled veteran, I could find no breast team capable of performing my surgeries and treatment that would take my insurance, and amazingly (perhaps not) my VA medical center had no knowledge of the standard of care for treating breast cancer. Somehow it never occurred to me to be in fear of losing my life.

Denial is a power that sometimes cannot be reckoned with. The She-Warrior prevailed carried on the wings of my God and strengthened daily…literally and figuratively…by a humor-rich network of angels: legions of friends, my amazing family, my business community, my extremely skilled and always wellaccessorized breast surgeon, my most gifted physical therapist, and, most of all, my spouse, Becky, who has the heart of Aslan. We threw a “Ta Ta to the Ta-tas Party” and, several bottles of wine later, the group had produced a list of 78 different terms and phrases for “breast.” Who knew?

When complications arose from my bilateral mastectomy and reconstruction surgery that necessitated leech therapy (yes, leeches), we named them Thelma and Louise, Bert and Ernie, and Jacques and Pierre in tribute to their Montreal origination. When those same complications yielded me a reconstructed breast on the right and a permanent implant on the left, I
named them Thing 1 and Thing 2. I decided that Dr. Seuss was as capable as anyone to help me through this. (I do not know if I like green eggs and ham.) But nothing…nothing…can eclipse the day my surgeon proclaimed me CANCER FREE. They had gotten it all!

No chemo…no radiation…no tamoxifen. I promptly made an appointment with the local FAA medical examiner for a flight physical…and passed. It will be a little while longer before I have the upper torso and arm strength back to feel comfortable piloting an airplane. I have several more surgeries to go, and pain management and physical therapy remain a major
focus. But how far I have come in the last year…it is exactly one year ago today, August 15th, as I write this that my breasts were amputated. I do not yet have the reflective perspective that comes only with time and distance along this million step path. But it will come…one step, one angel, one day at time. And I will be here to embrace it.

By Eileen Isola

October is Domestic Violence Awareness Month | Loudoun Abused Women’s Shelter

LWMSeptOct2014-Final_Page_24Did you know that one in four women will experience domestic violence in her lifetime? That every 9 seconds a woman is abused? That each year at least 1.3 million women will be assaulted by an intimate partner? Domestic violence happens in every community, regardless of age, economic status, race, ethnicity, or educational background. As a community, it is important that we are all aware of the devastating effects of domestic violence and how to help someone in need.

Abusive behavior in a relationship can look like many things. Often, we think about domestic violence in terms of physical assaults—hitting, kicking, pushing, punching. But for many victims, the effects of emotional abuse are just as harmful. Name calling, threats and intimidation, manipulation, and isolation from friends and family are just some of the ways an abusive partner may try to control a victim of domestic violence.

Creating a “safety plan” is an important step for a victim of domestic violence. If you or somebody you know is in an abusive relationship, some things to consider when making a safety plan are:

• Keep a bag with clothes, important documents and phone numbers, some money, and extra keys in a safe place
that you can access easily if you need to leave your home quickly.
• Have a secret “code word” to use with a friend, your child, or a neighbor that lets them know that you need them
to call for emergency help.
• During a violent incident, avoid higher risk areas of your home such as the kitchen or bathroom. These areas
have hard surfaces and increase access to dangerous objects. Try to avoid places without outside exits.
• Decide in advance where you will go if you need to leave your home during an incident.
• Use precaution when using email or electronic communication with others. To learn more about technology
safety, visit:
• Learn more about your rights and what services may be available to you.

Loudoun Abused Women’s Shelter (LAWS) is a private, nonprofit organization that provides assistance to any survivor of domestic and sexual abuse in Loudoun County.

To learn more, visit or call the LAWS 24-hour hotline at 703-777-6552
105 East Market Street • Leesburg, VA 20176

By Nicole Acosta, LCSW

Women of Character, Courage and Commitment

womens history

High Five Heart Beware!



high 5 heart

Looking Younger Without Surgery – Dr. Klainer

klainer imageNow It’s Possible in as Little as ONE Treatment!

The SmartSkin Fractional CO2 laser is revolutionary way to rejuvenate your skin. Now you can have younger looking skin in as little as one treatment. The treatment can be done in conjunction with Botox and/or fillers to take years off your appearance.

The laser can also treat a multitude of other skin concerns:

  • Uneven skin tone and texture
  • Brown spots
  • Large pores
  • Wrinkles
  • Acne and other facial scars
  • Keratosis
  • Crow’s feet
  • Aging hands
  • Neck and chest discoloration or wrinkles
  • How does the SmartSkin CO2 laser work?

A fractional carbon dioxide (CO2) laser works by splitting the laser’s light into tiny beams that penetrate the skin at a controlled depth. The targeted cells are vaporized by the heat and the surrounding tissue is heated. As the areas are healing the skin contracts and tightens; at the same time the areas that have been heated produce new, healthier collagen. Since SmartSkin is a fractional laser, recovery time is significantly less than a non-fractional laser.

How Does SmartSkin resurface and rejuvenate skin?

SmartSkin is a micro-ablative laser. It removes varying amounts of the top, outermost layer of the epidermis (skin).The dermis is simultaneously treated with heat from the laser and begins to remodel itself by stimulating the production of new collagen giving the skin a more youthful and healthy appearance, as well as volume.

How long are treatments?

Treatment take 20 minutes to an hour, depending on the area(s) treated. During the procedure medication is given to make the patient as comfortable as possible. Most areas can be treated just once to get significant results. After treatment, patients look as if they have deep sunburn. Downtime is usually 3-7 days.

When will I see results?

After recovery, you will notice significant improvements and results will continue to improve for as long as 6 months after the procedure as collagen growth and rejuvenation continues. The final results can last for years but do keep in mind that the aging process still happens so a good skin care regimen is recommended.

Peter Klainer, M.D., F.A.C.S.

Tax Smart Retirement Moves

Smart investing involves choosing the right assets to meet your specific needs. It also involves holding those investments in the right types of accounts – particularly when it comes to retirement savings. When managing your retirement savings, aim for tax efficiency, recommends Bev Doolin, IRA Product Manager at Wells Fargo Advisors. “And make sure you involve your tax professional as well as your Financial Advisor in assessing the tax implications of any investing strategy you’re considering.”

You can save for retirement in a variety of accounts:

Traditional IRAs and workplace plans such as 401(k)s can lower your taxes now, but distributions will be taxed as ordinary income
  • Roth workplace plans and Roth IRAs don’t provide an immediate tax break, but you generally won’t pay tax on your distributions
  • Ordinary taxable accounts face taxes on realized gains and investment income each year.

“The various types of accounts offer different advantages, not only when making contributions but also when taking funds out,” Doolin says. “But you have to set up the accounts properly to get the benefits.”

Here are a few considerations to help you make the most of the accounts available to you:

Tax deductions. Some investors delay making a traditional IRA contribution until they know it will qualify for a tax deduction. If there’s any doubt, Doolin suggests contributing to a Roth IRA. “It’s a no-brainer,” she says. You can contribute directly to a Roth IRA if you earn less than $125,000 (single) or $183,000 (married filing taxes jointly) in 2012. Otherwise you can contribute to a traditional IRA and then convert it to a Roth. One benefit of Roth IRAs: They don’t require minimum distributions after you reach age 701/2.

Growth versus income. As a general rule, it’s wise to keep investments with strong growth potential in Roth accounts, which shield you from tax on any appreciation. Taxable accounts can also be a good option for growth stocks, as long as you hold the stocks for the long haul. The reason: The capital gains tax you’ll pay when you sell the shares is likely to be lower than the income tax you’d pay if you held them in a traditional IRA, sold them and then distributed the cash – but be sure to review such a strategy with your own accountant and Financial Advisor to make sure that would be the case for you.

Investments that regularly spin off taxable income, such as high dividend-paying stocks or bonds, are likely best kept in tax-advantage accounts. The same is likely to prove true for mutual funds with high turnover. The funds’ frequent trading tends to generate significant short term capital gains, which are distributed to shareholders. The result can be a hefty tax bill in a taxable account.

Estate Planning. A Roth IRA is the undisputed champion of accounts when it comes to passing down assets. You won’t have to take withdrawals during your lifetime, and while your heirs will have to distribute a required minimum amount each year, they generally won’t pay any tax on it. Securities in taxable accounts come in second, at least in terms of tax efficiency: The inheritors won’t have to take required minimum distributions, and they’ll pay capital gains tax only on appreciation that occurs after your death. On the other hand, if you pass a traditional IRA or 401(k) to your heirs, they will be required to take minimum annual withdrawals and pay taxes on those distributions.

Note that assets in all types of accounts are considered part of your estate, and so may trigger estate taxes. Your Financial Advisor can work with your estate attorney and tax professional to help you craft a plan for minimizing the impact of estate tax on your financial legacy.

Distribution strategy. The rule of thumb for retirement distributions is to start tapping your taxable accounts first, your traditional IRAs second and your Roth IRAs last. But that’s not always the most effective order, Doolin says: “Liquidating an asset in your taxable account might push you into a higher tax bracket, which could affect everything from the taxes you owe to the cost of your Medicare Part B premium.”

Her suggestion: Lay out a general distribution strategy that reflects your anticipated income needs, then adjust your withdrawals depending on your situation in any given year. Again, consult with your Financial Advisor and your tax professional to make sure the strategy you develop takes into account all relevant changes in tax regulations as well as your own needs.

CAR Approval Number: 0812-03283
Wells Fargo Advisors is not a legal or tax advisor.

This article was written by Wells Fargo Advisors, LLC and provided courtesy of
Katie McAuliffe, Financial Advisor in Leesburg, VA at 703-777-3803.

Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK GUARANTEED/MAY LOSE VALUE.

Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company.

Financial Advisor
Wells Fargo Advisors, LLC
703-777-3803 | 800-888-3803 Fax: 703-777-2697

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