women today 2011

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WITH A COMMITMENT TO OUR COMMUNITIES AND FOCUS ON CUSTOMER SERVICE, WE’RE PROUD TO HAVETHESE WOMEN KEEPING STEVE’S HOMETOWN DEALERSHIPS MOVING FORWARD. A SPECIAL THANKS TO

THEM FOR MAKING THE 22ND ANNUAL STEVE’S HOMETOWN COMMUNITY BENEFIT ONE OF THE BEST EVER!

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T. 19, 2011

DR. CARL THORNFELDTSPECIAL TO THE ARGUS

Although females account formore than half of the American pop-ulation, they have a lower incidenceof skin cancer than males. The dis-tribution of lesions and age of onsetdiffers from males due to appareland hormone differences. However,the incidence of melanoma, the mostdeadly skin cancer, is closing the gapbetween the two sexes because ofthe high number of women and girlsusing tanning booths regularly.

Melanoma was discovered in morethan half the people afflicted in2009 upon full body examination inthe dermatologist office when they

were complaining of some otherskin problem. This cancer killedabout 3,600 females last year. It is thefatal cancer with the fastest rate ofincreasing incidence. In the last 25years, melanoma has increased 250percent so now afflicts one in 61 fe-males. When discovered, melanomahas already spread to lymph nodesin one of every eight. The death ratein darker skinned races is 2.5 foldgreater even though the incidence isonly 4 percent of the totalmelanomas. The most common sitefor melanoma in women and girls ison the legs.

The only cure is early surgical re-

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Contents:Women and melanoma...............................3

Workplace fashion ........................................4

Linda Smith-Surviving cancer .................6

Linda Schwartz-Cosmetology...................7

Exercise: How much is too much? .......10

Margie Yasuda .............................................11

Carrie Kaiser ................................................12

Heidi Ragsdale.............................................15

Financial planning for women ..............16

Homemade and home grown ................19

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SHERI BANDELEANARGUS OBSERVER

ONTARIOWorkplace fashion is something

all women should learn about, evenbefore actually working. It is justnot knowing the latest fashiontrends that go well in a work envi-ronment, but also how to dress upappropriately.

“In every field it doesn’t matterwhat you do, a woman just has thisinnate desire to feel and look put to-gether,” Elizabeth McKinney, inde-pendent sales director said.

Your work wardrobe depends

largely on what you do for a living.There are three types of workingwardrobes: professional, businesscasual and casual.

A workplace dress code is so im-portant to follow, for you are the re-f lection of your company. A re-spectable and decent appearancedisplays a level of trust towards thepeople who get to see you. Lookingshabby in a carelessly put up attireto attend a meeting or anotherwork function will never create apositive result.

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SHERI BANDELEAN | ARGUS OBSERVER

Elizabeth Mckinney, independent sales director sits in her studio in downtown Ontariolooking through a magazine to get tips on what to wear for the fall season.

CONTINUED ON PAGE 5

The majority of women work• 68 million women work in the civilian labor force• 63 percent of women work• 54 percent of women work full timeWomen’s incomes are necessary to support families• According to a 2004 AFL-CIO survey of working women, 62 percent

report earning half or more of their family's income• 77 percent of all mothers with school age children (6-17) work Education is key for women’s economic advancement• A woman with a two-year associate’s degree earns 28 percent more

than one with a high school education• A woman with a bachelor’s degree earns 75 percent more than one

with a high school education.Despite important advances, equal pay is still a challenge• Women earn only 77 cents nationally for every dollar earned by men• Female high school graduates earn 34 percent less than male high

school graduates• Female college graduates earn 33 percent less than male college

graduates

Female facts:

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T. 19, 2011The key to following workplace

trends is to first evaluate the kindof place you will or are working atand know the basic rules the com-pany has with work clothes. Usuallythe company sets the guidelinesthat the staff needs to follow.

Knowing how workplace dresscode can affect your career is veryvital, most especially for those whoare just starting to build one. Stickto the basics, understand the com-pany’s dress code and you will nev-er go wrong.

The interview comes first. Whatshould you wear? When you are in-terviewing, it is always better todress a little more on the formaland conservative side. This is rela-tive, of course. If you are going fora job at a funky piercing studio, youshouldn’t show up in a tailored suit,but leave the ripped jeans at homeuntil you have been hired for thejob.

“For a woman, I say skirts are best.They say power,” McKinney said.

The goal is to create a classic, pol-ished outfit that shows your profes-sionalism and good taste. Thesmart choice is to take the most con-servative route. When preparingyour interview outfit stick to neu-trals, such as black, navy or gray andmake sure what you are wearing isin tip-top shape. The classicwomen’s business suit is somethingevery woman should have. Otherthings to consider are your shoesand bag; make sure both are ingood condition and appropriate.

Closed-toe heels are always an ap-propriate choice and peep-toe stylescan be fine, too, but they are consid-ered less conservative. As for yourbag, a structured purse is best andideally should fit your portfolio.

“Wearing nylons are important ifyou are wearing closed-toe shoesbut not if you are wearing peep-toeshoes,” McKinney said.

Above all else, you want to lookprofessional, so make sure yourbeauty look reflects this too. Don’tforget to get a manicure before yourinterview; with a natural, clean,buffed nails or a simple nude polishbeing best.

The trend for makeup is a natu-ral look to the face with a little bitof eyeshadow and mascara with atinted moisturizer and/or powder,the lips can be more natural too.

“Makeup is more individualized onwhat the woman is doing in the par-ticular time frame and what field ofwork she is in and how good she feelswhen she is wearing makeup,”McKinney said. “Keep your makeup

simple not flashy, and pink.”Your hair should be simple also. If

you have long hair, try to pull it upand away from your face.

If you are a woman going to an in-terview for example at McDonalds,you are probably not thinking thisis going to be your job for the rest ofyour life.

“If you want to be a careerwoman, you need to dress like a ca-reer woman,” McKinney said. “So awoman needs to have a mindsetthat says I’m not dressing for thispart, I’m dressing for my next part.”

This lets the interviewer thinkthat you have ambition, drive anddesire.

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CONTINUED FROM PAGE 4

JESSICA KELLERARGUS OBSERVER

NEW PLYMOUTHBefore she received the news

from her doctor that one day inSeptember 2010, Linda Smith, NewPlymouth, never considered shewould ever get cancer.

Looking back, Smith, 61, said,she isn’t sure why she ever thoughtthat. Not only is she a nurse for XLHospice and has worked with pa-

tients with terminal cancer often,cancer is prevalent in her family.Both of her parents, several auntsand uncles and one cousin havedied from cancer. Her sister is abreast cancer survivor. Smith saidshe always knew life is fragile andpeople are vulnerable. She just did-n’t apply that to herself.

Then she too was diagnosed with

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Linda Smith never though she wouldface the battle that could end her life

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During her recovery from breast cancer treatment, Linda Smith, New Plymouth, par-ticipated in both Relay for Life and Race for the Cure events this spring. At the timeof the Race for the Cure event, Smith’s hair, which she had lost during chemotherapy,had still not grown back, but now, Smith is cancer free and has a chic cap of hair shethinks she might keep cropped short.CONTINUED ON PAGE 8

CHERISE KAECHELEARGUS OBSERVER

ONTARIOLinda Schwartz, 46, is a cosme-

toloogy in Ontario — and has beenfor 26 years.

Currently, Schwartz is working atSalon Salon and has been there forfour years.

Schwartz is from Ontario andgraduated from Ontario HighSchool. After graduation, she knewshe wanted to go to beauty schooland went to an academy in Payette.She graduated and received a job atMain Event, where she stayed for17 years.

“I knew what I wanted to do afterhigh school,” Schwartz said.

She began cutting her father’shair at a young age. She messed upsometimes, “but nothing a hatcouldn’t hide,” she said laughing.

During school Schwartz had to

learn about all the bones in thehead, including vertebraes and thenerves. It is all relevant, she said.Knowing how to hold your head orthe way you sit can change a haircut in an instant.

Now, 28 years later, she is a stylistand prefers cutting hair over doingfacials and nails, which she alsolearned in school.

Linda has clients who have beencoming to her since day one.

“We’ve been together longer thanmost married people,” she recallsone client saying to her.

If her appointment schedule isany indication of her professional-ism and talent, Linda is one of thetop stylists in Ontario.

Schwartz is nearly fully bookedthrough the holidays — definitelyuntil Thanksgiving, she said. Sheenjoys getting walk-ins and still has

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Linda Schwartz is putting the remaining touches on a client while the two enjoy a con-versation at Salon, Salon. CONTINUED ON PAGE 9

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cancer — on Sept. 22, 2010. Since ithad been two years since her previ-ous mammogram, her doctor insist-ed she have one when she went infor a check up in August. The mam-mogram revealed a mass. She had asecond mammogram and an ultra-sound. Then she had a biopsy,which confirmed the tumor wasmalignant and she had breast can-cer. Although, after the ultrasoundshe and her doctor had discussedthe possibility of cancer, Smith saidshe was still unprepared for thenews.

“I knew inside that it was cancer,but when she said the words, it pret-ty much knocked my socks off,”Smith said.

Smith said after she found outshe had cancer she was in denialand then she panicked a bit. Shesaid the first couple of days afterfinding out she was “down in thedumps” but then came to accept the

reality of the situation. She said she met with a surgeon

to discuss what she needed to do.Because, with her type of breastcancer, having a mastectomy didnot improve the success rate anymore than a lumpectomy, she optedfor the latter. Six weeks later she un-derwent radiation.

Radiation treatment, Smith said,was not uncomfortable, but itsapped her energy. Next she hadchemotherapy, but Smith said shedid not complete the full regimenbecause during the process shespiked a temperature a couple oftimes, and her doctor said sheshouldn’t finish it. The chemother-apy was given more as a precautionin her case, she said.

Sometime during her treatment,Smith said, through prayer, she be-came certain that she was going tobe OK. On the other hand, Smithsaid, she won’t lie and say she was-n’t grateful to be told she was can-cer free.

Smith said her large support net-work, including coworkers at XLHospice and her family, weretremendous in helping her throughher treatment. She said she is alsovery grateful to the staff and MSTIin Fruitland, who she said are someof the kindest, most caring peoplewho she has met.

“They don’t make you feel likeyou’re getting treatment for a life-threatening disease,” she said.

Her coworkers at XL Hospice in

Payette went out of their way tocheer her up during radiation,Smith said. She said the day beforeshe was scheduled to have her firsttreatment, her boss told her tocome back to the office before leav-ing for the day. There, she foundtwo large baskets and a bag filledwith gifts — one for every day of herradiation. Smith said it cheered herup to come home after radiation,open a present, and, instead ofthinking she had so many radiationtreatments remaining, she wouldthink of how many presents shestill had to open. She receivedthings like books, plants, picturesand candles. Because it was nearChristmas time, her grandsons’ fa-vorite was a package of threeChristmas-themed night lights.

Those gifts, she said, let her see amore light-hearted side to treat-ment rather than the serious side.

“I don’t suppose my coworkers

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I knew inside that it was cancer, but when she said thewords, it pretty much knocked my socks off.

— Linda SmithBreast cancer survivor

’CONTINUED FROM PAGE 6

CONTINUED ON PAGE 9

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some room for them but mostly, it

is her clientele that she has built up

that keeps her busy.

“I just have great people. Every

client I see, I get to know. I invest

in their lives,” Schwartz said.

“Sometimes you just click with

people. Those are the types of

clients you keep.”

She came to work for Salon Salon

because she knew it was a profes-

sional work place. She does not

dread coming to work in the morn-

ing.

“I get along with everyone I work

with,” Schwartz said. “We’re all

professional. If there is ever a prob-

lem then it gets resolved quickly.”

The cosmetologists at Salon

Salon continue their education

constantly. Recently, they went to a

class where they were given the op-

portunity to learn new techniques

and were provided with hands-on

examples. If a client were to come in and say

“do something with my hair. I don’tcare what,” then Schwartz refers tothe newer techniques she haslearned and knows what to do.Knowing what a client is like, whatthey would like or dislike and thenbeing able to turn that into a newlook and style for the client is oneof the reasons why she is a profes-sional and a favorite at Salon Salon.


will ever know how much I ap-preciate that,” she said.

Smith said since she complet-ed in early January, she has hadtwo mammograms, both ofwhich came up clean, and shewas told by her doctors she wascancer free. While they cannotguarantee she will never havebreast cancer again, she was toldher survival rate was 92 percentto 95 percent.

Smith said she is satisfied withthat and happy she can now fo-cus on things other than cancer.

“I shouldn’t say I don’t thinkabout it, but I don’t think aboutit a lot,” she said.

Still, she said having cancerhas changed her in some ways.First, she said she does eathealthier and does try to takecare of herself. Second, she said,while she always considered her-self empathetic to those clients

she worked with who had can-cer, she thinks her own experi-ence has given her a whole newinsight to those who have a ter-minal diagnosis.

She said she also tries to takemore time spending time withfriends and family and doing thethings that really matter. Shesaid if her grandsons ask her togo on a bike ride with themwhen there are dishes to do, thebike ride will always win out.

CONTINUED FROM PAGE 8I just have great peo-

ple. Every client I see,I get to know. I investin their lives.Sometimes you just click withpeople. Those are the types ofclients you keep.

— Linda SchwartzCosmetologist’

CHERISE KAECHELEARGUS OBSERVER

ONTARIOWith a rise in obesity, doctors say

to exercise at least three to fourtimes a week for more than 30 min-utes at a time.

There is a point, however, whensomeone can exercise too much.

Women feel a constant pressureto have those perfect bodies, but doyou know when enough is enough?

Here is a list of indications thatyou, or someone you know, is exer-

cising too much. If any of thesesymptoms sound familiar then seekmedical advice.

• Having irregular periods orskipping periods altogether is a se-rious concern. Amenorrhea, theloss of the menstruation cycle threeor more times in a row, can have anegative effect on a woman’s body.Girls who participate in track canoften experience this. Also, toomuch exercise can delay pubertyfor girls and boys.

• Feeling that you cannot miss anexercise routine. When you are sickwith a fever or are injured but stillfind the need to exercise is a majorindication of exercising too much.A body needs time to heal.Allowing your body the time itneeds to heal itself can be just as im-portant as exercising. Not allowinghealing time also brings on morehealth problems. Getting morecolds and fevers than you did be-fore working out is a warning sign,as well as getting more headaches.

• If you, or a loved one, feels guiltand anxiety about not exercising orif you skip a day and find it neces-sary to exercise twice as long thenext day.

• Becoming obsessed with exer-cising can oftentimes lead to otheremotional behavior. Eating disor-

ders, strict dieting or obsessivethoughts about perceived flaws canlead to serious low self-esteem.

• Insomnia and restless sleepingcan be caused by too much exercise.An excess of endorphins in thebody can diminish sleep patterns.

• Not being able to sit still or re-lax because of worrying that notenough calories are being burnt.

If exercising has completely takenover your life and, instead of main-taining a healthy weight, your mainfocus is to continue losing weight(past the recommended weight foryour height) then seeking a doctoris recommended.

Yes, exercise can be a good thing.However, there is a point when it istoo much. Listen to what your bodyis telling you. It will tell you every-thing you need to know.

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LINDSEY PARKERARGUS OBSERVER

ONTARIOSomeone who has worked as a

caterer for 21 years knows a thingor two about food. They know howto cook, and utilize almost any itemin a kitchen.

People who have been fortunateenough to get to know MargieYasuda, will recognize her gifts andhave most likely been impacted byher generosity through the years.Yasuda routinely makes wonderful-ly tasty meals without a lot of mon-ey, from simple ingredients.

Yasuda works with community

members providing hot meals topeople who need them, and doingwhat she can for others. She hascooked throughout her life, and con-tinues to use her skills to help others.

Yasuda was born and raised inOntario. She left for college, andthen returned. She has been mar-ried almost 20 years. Yasuda hasthree boys, and all the boys knowhow to cook. One of her sons saidafter he left for college, “Mom I’mso glad you taught us to cook.”

She owned the Sansei Cafe,and hopes to have her newrestaurant open soon.

Her hobbies include cooking,cooking and more cooking. Shehas worked as a cook for the pasteight years, for a hunting lodgenear Bulley Creek called Flying

Double F Ranch. People come fromall over the country to the camp.Yasuda started the original HappyBowl at the Malheur County Fair,she created the recipe and dish.Yasuda donates to different organi-zations in town. She makes a largetray of sushi for the Judo Club, andgives it in memory of her father.

“I always enjoyed cooking. I startedout learning how to cook in 4H. Iwent to state fair in competition. I hadno formal training,” Yasuda said.

She grew up on a farm, and hermother went to work when she wasin junior high school, so Yasudalearned to cook.

Earlier this year, Yasuda becamethe manager of New Hope Kitchen.Jan Jacques, a New Hope Kitchen

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a lot of love into

everything she cooks

LINDSEY PARKER | ARGUS OBSERVER

Margie Yasuda (left) and Jan Jacques work together frequently to make a hot mealsat New Hope Kitchen. The volunteers use whatever food is donated, calling it‘Creative cooking 101’ to create healthy and tasty food for the public.


SCOTT FORDARGUS OBSERVER

FRUITLANDFruitland resident Carrie Kaiser

loves her job.Kaiser works for American

Staffing Inc., which is situated at1205 Whitley St. Suite 2 inFruitland. Kaiser has been workingat American Staffing Inc. for thepast eight years and has helpedhundreds of people find work.Kaiser said she started working atthe staffing firm only because she

was out of work and went lookingand found American Staffing Inc.and has loved it ever since.

“I have learned a lot since I start-ed working here eight years ago,”Kaiser said. “I have learned somuch about what it takes to staff aposition. I have had to hire, fire andmanagement. I have learned a greatdeal since I started working here.”

Living in today’s economy hasmade it tough for the employee andthe employer and Kaiser said it hasbeen nice to have some of the com-panies in the area that have laid offpeople be able to use AmericanStaffing Inc. to rehire them at a lat-

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MENTAL HEALTH SERVICES(541) 889-9167 Fax: (541) 889-7873

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Providing hope intimes of need

Kaiser helps thoseout-of-work findsuitable employment


er date.“In the economy being the way it

has been over the last two and ahalf years, it’s been very poor in thisarea and we have been very fortu-nate in that a lot of the clients thatare coming to us are doing so be-cause they are finding the peoplethey had to lay off and can’t affordto put on their own payroll,” Kaisersaid. “They come to us and we takecare of them. We save them a lot oftime and money this way.”

Kaiser said she has a lot of satis-fying factors about her job.

Kaiser said American Staffingcurrently has about 350 people re-ceiving a pay check throughAmerican Staffing and for her thatis satisfying in itself.

“Staffing a position is satisfying.Doing payroll and seeing the indi-vidual get that check is really niceto see,” Kaiser said. “It’s really excit-ing to see that. At times we havehad people come back and thanks

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T. 19, 2011

Pat GarnerAngela Webster

1200 N. Whitley Dr.,Fruitland, ID

(208) 452-4400

Thanks LadiesFor All You Do!

SCOTT FORD | ARGUS OBSERVER

Carrie Kaiser of American Staffing Inc. has been helping people find work for the pasteight years. Kaiser said she loves her job and it has filled her with many special mem-ories of helping others.



moval just as with breast cancereven though two chemotherapydrugs in the past have benefit in re-ducing recurrent melanomas.Likewise, if you develop melanoma,your risk of breast cancer is one in11. So when a monthly self breastexam is performed also examineyour skin for my new growths or tu-mors, any growing wide at the base(not taller) or look or feel differentthan any others. This latter isknown as the ugly duckling sign.Finally, if a growth is sore, itchy orred for more than two weeks, itshould be evaluated by a dermatol-ogist, their nurse practitioner orphysician’s assistant.

Women’s intuition is a greatblessing; if you are worried, havethe growth removed. The youngestmelanoma I found in the TreasureValley was on a 6 year old whosemother was worried about a “nor-mal” appearing mole according toother health care providers.

All females are at risk but someare at much higher risk. Risk fac-tors that more than double yourchance of getting melanoma areskin that always or nearly alwayssunburns, red hair/blue eyes, hav-ing two or more blistering sunburnsby age 18, use of an indoor tanningfacility once or more and have a sib-ling with a history of melanomaand living in high desert agricul-ture areas with an outdoor lifestyle.

Use of tanning beds is the majordriver for the increasing incidenceof skin cancer in women and girls.The World Health Organizationruled in 2009 that indoor tanningis as carcinogenic (cancer causing)as nicotine in tobacco. One fifth ofall female adults and teens haveused tanning beds and one third ofthem actually become addicted. It isan addiction to the elevated endor-phin (feel good) hormones whichreverses symptoms of depressionand a woman’s “disgust” of theirbody color. These addicts do expe-rience withdrawal symptoms if theystop using these cancer-in-a-can de-vices.

The reason there is no safe tan isbecause tanning is the result of skincell injury. Tanning beds producefour fold the amount of UVA thansunlight and two fold for UVB inthe same time of exposure but donot stimulate the thickening of theprotective skin barrier as sunlightdoes.

Ultraviolet A light activatesmelanoma, wrinkles and suppress-es normal protection. It occurs yearround sun up to sun down and pen-etrates window glass and clouds.UVB produces most sunburns andsquamous and basal cell cancer,which afflicts about 800,000 fe-males a year, and kills more than1,000 annually. Squamous cell can-cer usually appears as a red crusted

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us and that is overwhelming at

times.”

Being a women in the working

world, Kaiser said it has its chal-

lenges and rewards. Kaiser said

something as simple as not getting

her do to list done at the end of

every day bothers her and it can

become a challenge, but it is also a

reward when she completes all the

tasks she has set out to do.

“I am satisfied with every aspect

of my job. Once you have satisfied

something it always feels good,”

she said. “However, in this type of

business you have to have some

thick skin, because there are a lot

of different aspects of this job.

Being able to know the clients, em-

ployees and employers is a big part

of what I have to do to be able to

build success for the individuals

that come through my door.”

Kaiser said the toughest part of

her job is letting a client know

their assignment is over.

“That is always tough,” Kaiser

said. “But it happens.”

American Staffing was started

in 1980 by Melinda Madsen in

Meridian and has offices in

Meridian, Fruitland, Twin Falls,

Elko, Nev., Burley, the West Valley

and in Winnemucca, Nev.

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FACT: Nearly 15 million women in the U.S. earn less than $25,000a year despite working in full-time, year-round jobs.FACT:One in four working families earns too little to meet basic needs.FACT: Only one in three workers has paid sick leave to care for their

children and 77 percent of the lowest paid workers have no paid sickleave at all.

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LARRY MEYERARGUS OBSERVER

ONTARIOHeidi Ragsdale, Ontario, started

out in one career, but when a dis-ability brought that to an end, shemoved on to become focused onhelping other people with disabili-ties to be independent and be an ad-vocate for them.

It started with numbness in herleft leg. She started to drag and felttired all the time. Ten years ago, shewas diagnosed with multiple sclero-sis.

The disease progressed in stages,but they were quick, Ragsdale said.In a short time, was using a walker.

“Within a year I was in a wheel-chair,” she said.

Since then she has not had anymajor symptoms she is aware of, shesaid.

“Before EOCIL (Eastern OregonCenter for Independent Living), I

was in law enforcement,” Ragsdalesaid. “I had to give up that goal.”

Having to give up her job at SRCI,Ragsdale began to focus on volun-teering, including at her son’sschool. But, going around Ontarioshe found there were a lot of obsta-cles because few sidewalks and old-er buildings provided access to peo-ple in wheelchairs. There are still alot of older buildings that are grand-fathered in and do not have to meetAmericans with Disabilities Actstandards, she said.

She was using the MalheurCounty Transportation Services toget around and “venting” aboutproblems of having access aroundOntario, getting vouchers throughEOCIL. It was her protesting thatcaught the eye of people the atEOCIL.

Now, as a EOCIL staff member,Ragsdale focuses on advocacy on is-sues regarding with people with dis-abilities. She also does peer counsel-ing and referrals for services.

“Working for EOCIL has con-firmed that I’m still useful and stillneeded — that my ideas and opin-ions still matter. I enjoy working

with people,” Ragsdale said.“Working here has given me the

platform to prove to other peoplethey can do the same. It doesn’t mat-ter what their disability is,”

Ragsdale continued. “You have tolearn to adjust. My husband knowshow to use a hammer. My home isaccessible to me.”

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Ragsdale doesn’tlet MS keep herfrom being active

LARRY MEYER | ARGUS OBSERVER

Heidi Ragsdale uses her experience with having a disability to encourage clients shemeets at Eastern Oregon Center for Independent Living.


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She still relies on the MalheurCouncil on Aging for her trans-portation, which allows her towork, and is working in the com-munity and with other people toimprove the day to day lives ofpeople with disabilities.

She works closely with the cityand other agencies on disability is-sues and projects. One of the keysto getting something accom-plished or get things movingahead, is communication,Ragsdale said. “That’s the bottomline.”

She always uses the word “we” indiscussion with other people, shesaid.

Ragsdale has been working withthe city to get curb-cuts at intersec-tions and says city officials arevery cooperative.

“I have an access committee I’min charge of” Ragsdale said. “Wego out and look for different proj-

ects to work on.”

She tries to bring a variety of

people to the table, commenting

they bring a different set of eyes,

ideas and needs. “Everyone has re-

sources.”

In addition, Ragsdale is working

to bring together a support group

for women with disabilities and

helping address issues for youth

with disabilities.

One of those initiatives is hav-

ing a job shadow program to help

the youth explore occupation op-

portunities and to get employers

considering the possibility of em-

ploying youth with disabilities.

Ragsdale, 36, works with people

in Malheur, Baker, Grant and

Union counties.

“It’s been a wonderful learning

experience,” she said. People may

have the same disability, she said,

but their needs are different. “It’s

a challenge. I like it.”

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STAN CLEMENTSSPECIAL TO THE ARGUS

Money and financial planning mayseem universal, but there are a few im-portant areas where men and womendiffer, and how women confront andnavigate those differences can affecttheir long-term financial health.

Women’s rights advocates and fi-nancial planners say that the playingfield generally is not level for women,both in how much money they earncompared to men and in how theyview their overall relationship withmoney.

On average, women earn 77 centsfor every dollar men earn in the work-place, because women typically spendapproximately seven years out of thework force to have and raise children,their earnings are even further cur-

tailed. With lower pay and less timespent in the work force, women aregenerally left with smaller retirementportfolios, lower company pensionbenefits and lower Social Security ben-efits than men.

Despite the fact that women earnless money than men, they generallyneed a larger retirement nest egg. Onaverage, women live seven years longerthan men and must finance more yearsin retirement, and although a womanmay share her husband’s savings, thoseassets may be depleted quickly if he be-comes ill and dies first, which consid-ering life expectancy, is often the case.

In addition, 50 percent of marriagesend in divorce, and the average age ofwidowhood is currently at 56 years.Therefore, most women are solely re-

Why women need specialfinancial planning


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T. 19, 2011volunteer who works with Yasudasaid, “Margie starts out being ahelper, and then we end up notknowing what to do without her.”

New Hope Kitchen providesclothing and other items if needed,their giving does not end withmeals. Recently Yasuda got somerain ponchos, and plans to givethem to the people that come to gethot meals at New Hope Kitchen.

“It’s good to give back, you neverknow when you will be there. All ofus are only three months away frombeing there,” Yasuda said.

Yasuda uses the connections she haswith local restaurant owners, and oldfriends to help those who need it.

“I am very fortunate to have a lotof friends that think about thekitchen,” she said. “If people aregood enough to donate to us, by gol-ly, we are going to make the effortto go and pick up the stuff.”

Yasuda’s passion shines when she

is cooking, and being creative withher meals. She seems to have an un-deniable energy to give of her time,and talent.

“I really enjoy this job, because Ihave to be creative with what I get,”

she said. “I call it creative cooking101. Sometimes it is different, be-cause someone comes in with some-thing right before the meal (likecupcakes) and we serve that. We’vehad prime rib donated, and soup

from Romeos. Matsy’s and CountryKitchen have been very generous.”

“I’m proud of the fact that Margiecomes and donates her time, andbrings all her friends. I’m veryproud of the fact that people of anyfaith are welcomed here by Margie,”First Christian Church PastorFrank Moloney said.

Everyone is welcome to come eatat New Hope Kitchen. The kitchenis open from 5:15 p.m. to 6:15 p.m.every Monday, Wednesday andFriday, at First Christian Church

180 N.W. First St., Ontario.Yasuda takes the time to get toknow the diners well, and can talkto them on a first name basis.Donations for New Hope Kitchenare gladly accepted, they will usewhatever they are given.

“We use respect and a good workethic to help as many people as pos-sible,” Yasuda said. “With all theprograms we have, there is no ex-cuse for anyone to go hungry.”

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LINDSEY PARKER | ARGUS OBSERVER

Margie Yasuda prepares one of many meals at the New Hope Kitchen in Ontario.

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WILLIAM ANDERSONARGUS OBSERVER

ONTARIOMore and more people are taking

it upon themselves to find ways tosave money, without having toskimp — whether it be by makingtheir own clothing, or by canningfruits and vegetables.

In Ontario, and the surroundingareas, there are plenty of options

for those wanting to give them-selves options, and be more self re-liant.

Those looking to get into makingclothing, or even accessories forthemselves, their spouses, theirfriends or their children, can lookinto crocheting or knitting.

Looking for a way to get startingin crocheting or knitting? Look nofurther than White House Yarnand Fiber Shop in Ontario.

“We have all kinds of yarns, nee-dles, projects and stuff for begin-ners,” White House owner GailWhite said. “All you need is twohands.”

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Homemade andhome grown

In today’s economy,many people areturning to lesscostly alternatives

WILLIAM ANDERSON | ARGUS OBSERVER

White House Yarn and Fiber Shop owner Gail White shows off a colorful knitted vesthanging in her shop. This is one of the items that can be made at the shop. CONTINUED ON PAGE 20

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The projects that can be createdwith some yarn a pair of knittingneedles can be endless. They canrange from socks, to hats, to glovesand just about anything in between.Purses and bags can be knitted,even pet outfits can be created.

White said the items created byknitting don’t have to be the stereo-typical shawl for grandma’s shoul-ders, or a simple scarf, but rathercan be just about anything that canbe dreamed up.

Also, while looking to create aproject, White’s shop welcomesthose who want to learn to knit tocome on down. She has created awelcoming atmosphere, and also of-fers classes to those who are inter-ested in getting started, or areworking on a very advanced proj-ect.

“We have people who are just be-ginning,” White said. “We also havepeople who have been going for a

while, who are looking to finish aproject.

“It is for just about everybody,and just about every kind of per-sonality type,” she said. “It is goodfor people wanting to de-stress.”

For the past five years, White hashad patrons from Baker City toBoise and just about everywhere inbetween come in on a regular basisto spend time of their projects, andalso spend time just chatting witheach other.

“We are here to help peoplelearn,” White said. “(Knitting) isone of those type of things, that isnot a lost art, but one of thosethings we have in common with ourancestors.”

White said knitting helps her re-move stress from her life, and canbe done while at home with the chil-dren, or on a road trip.

White also said there are projectsfor everybody. She shared experi-ences of men that have shopped at

her store, who make items for theirwives and children.

“It is something that appeals toeverybody,” White said. “If youwant to make a Boise StateUniversity hat to go the game, youcan do that. If you want to makesomething for your grandchildren,you can do that.”

Knitting and crocheting can be asexpensive as the person doing theproject wants to spend, but for lessthen a $10 investment, somebodycan get started on a new hobby.

While trying to save money onyour grocery bill, many people in re-cent years have turned to canningtheir own food.

Just about any type of food can becanned, from fruits and vegetables,to meats and sauces.

While many of these products areavailable on store shelves, whilecanning, one can personalize thefoods they are canning, giving it avery distinct flavor.

“You get a better quality productwith no preservatives and it costsless,” Bonnie Fugate, with Kinneyand Keele, said.

Fugate said she has seen a rise inhome canning since the economyhas taken a hit.

“I have noticed a rise in probablythe last three years,” Fugate said.“Each year a little more.”

While Fugate has handled someof the calls about what it takes toget started, most of the calls are to

check the equipment that is alreadyin use.

One of the first steps to do to be-gin canning, according to Fugate, isto pick up a home canning/pre-serving book.

She said it will have all the timetables for what foods you will bepreserving.

Also, it is important to determinewhat type of food you plan on can-ning, to help you choose if you needa water bath of a pressure cooker tocomplete the canning.

To water bath can, a large stockpot will be needed to fill with wa-ter, and cover the jars with water.The jars will need to be boiled for acertain amount of time, dependingon what is being canned.

To use a pressure cooker, whichFugate likes for tomatoes andmeats, is where you use the pres-sure to cook the jars at a certainpressure, for a certain amount oftime.

“As long as your gaskets and can-ner are in good shape, and the foodis prepared and cooked accordingto the tables, everything shouldwork out just great,” Fugate saidabout the pressure canner.

Fugate said she used to can quitea bit while she had a family living athome. Her favorite items to canwere pickled beats and pickles.

“You can’t get that quality. Youcan’t buy it,” Fugate said about can-ning her own foods.

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T. 19, 2011growth that is tender but may bebrown or look like a patch of der-matitis. Basal cell cancer also canappear like dermatitis but usually ispearly or reddish with a jelly likematerial; these can sometimes looklike a growing whitish scar.

The best and most cosmeticallyelegant treatment is to prevent can-cer in the first place. Prevention ofskin cancer has three compo-nents — protect against all sourcesof ultraviolet radiation, maximizeskin health by optimizing its barri-er, and maintaining a healthy anti-inflammatory diet. These shouldbe daily habits like brushing yourteeth.

The current AAD recommenda-tion for sunscreen to protect againstUVB and UVA are SPF50+ or high-er and UPF 3 or 4 star if you will beexposed more than 20 minutes tosun radiation. The most effectivesunscreens are also anti-inflammato-

ry which include Neutrogena 100,Epionce 50, and Cetaphil 50. Two ap-plications of sunscreen should be ap-plied approximately 30 minutesapart with the second application be-ing more than 30 minutes before UVexposure. The reason for this is thatsunscreen ingredients need time tobind to the skin barrier for it’s opti-mal effects to take place, so best sun-screen effect needs the best skin bar-rier.

People fear that regular sun-screen use will reduce vitamin Dlevels in the body since sunlight ac-tivates its. This is of concern sincelow vitamin D levels increases riskof internal cancers and infections.This is even less of a concern sincethe average American female ap-plies the amount of sunscreen rec-ommended by the FDA. Thismeans an SPF 33 only gives actualprotection of 4.4. Twenty minutesof noon time (11 a.m. to 2 p.m.)UV to head, neck and hands pro-

duces 1,000 IU vitamin D but inJune the FDA ruled on 600 IU dai-ly is needed unless a blood testshows a deficiency.

To achieve their maximum beau-ty and protection, the skin must behealthy which requires optimumskin barrier and inhibition of dam-aging chronic inflammation. Thecore of skin barrier resides in spe-cific oils in a specific ratio deposit-ed between surface skin cells.These specific oils are ceramides,including sphingosine, cholesteroland linoleic acid with somepalmitic and stearic acids.Ceramides alone are very good formoisturizing and mildly reducinginflammation but can damage theskin barrier when used as the onlyone of the three oils in the barrierproduct. Petrolatum (Vaseline),glycerin, mineral oil, beeswax andlanolin all have some barrier repair-ing effect as well. However, no mar-keted products except one are

proven to repair and optimize thebarrier while preventing and re-versing chronic inflammation.

Since the skin is the largest organof the body, it is impacted by over-all health. A healthy skin dietshould be dominated by anti-in-flammatory items like those foundin the South Beach and PerriconePrescription diets. Supplementsthat reduce sensitivity to UV radi-ation and have anti-oxidant activityinclude green, black and white tea,pomegranate, grape seed and co-coa (if over 55 percent). Curcuminand curry have also been docu-mented to prevent induction ofskin cancers as well as reduce in-flammation. Golden fern orally isphoto protective and also anti-in-flammatory.

Even though, any cancer may cre-ate fear, skin cancers are the mostpreventable and easiest to cure pro-viding you make proper lifestylechoices previously discussed.

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Ontario, OR 97914

Global Realty Northwest

cell: 208-867-6760fax: 208-642-4725

Licensed in bothIdaho and Oregon

http://rondamclaughlin.point2agent.com

ERA West WindPayette Office

215 N. Main St. Payette, ID208-642-4720

RondaMcLaughlin

GRIOffice Manager

Sue Mio

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Cell 208-741-0940www.silverhawkrealty.com

Sue has been a Real Estate Broker for 25 years and isa Cerfified Residential Specialist as well as an

Accredited Buyers Representative. Always ready tohelp you with any of your real estate needs.

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937 SW 30th St., Ontario, OR

[email protected]

208-642-93161545 S. Main

Payette, ID 83661

LoriMcKinneyAssociate BrokerCell: 208-739-0792Office: 208-642-9316Fax: 208-642-9338

[email protected]

SharonWada

Principal Broker

(208) 741-6800

435 SW 24th Street, Ontario Call Us At (541) 889-8801

LindaBybee

��Phone: 208-452-3744

Cell: 208-739-3698Fax: 208-452-3746

�� Malheur Realty

541-889-58001461 SW 4th Ave.Ontario, Oregon

Deb BelisleBroker

Associate BrokerCell: 541-212-2191Fax: 541-889-5900

[email protected]

Motsee LockCell: 208-707-4440Office: [email protected]

Nancy AnthonyCell: 541-881-9399Office: 541-889-2040

[email protected]

156 S.E. 1st AveSuite 2

Ontario, OR 97914Office

541-889-2040Fax

541-889-2010

Global Realty Northwest

208-452-5655804 NW 24th St., Suite B

FRUITLAND(Next to the Paradise Day Spa)��

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T. 19, 2011sponsible for their finances at somepoint in their lives. What can womendo to overcome these financial chal-lenges? Here are some tips.

1.) Be financially involved. Thestereotypes, studies show that mostmarried women actively participate ortake the leading role in managing fami-ly finances. Moreover, women outnum-ber men in participation in investmentclubs across America. However, somemarried women still leave the financialdecision making to their spouses andmay wind up ill equipped to handletheir finances if they divorce or outlivetheir husbands. Understand family LifeInsurance and retirement accounts.

2.) Participate in employer plans,collect information about the retire-ment benefits that are availablethrough your employer and activelyparticipate in any plans offered, takingadvantage of all possible companymatches and tax-deferred contribu-tions.

3.) Do not depend solely on pen-sions or Social Security. Fewer years inthe work force, fewer years with a sin-gle employer and lower pay all may con-tribute to a lower average pension forfemale retirees. Women also tend to re-ceive lower Social Security benefitsthan men. Benefits are calculatedbased on a person’s highest 35 years ofearning’s. If the benefits recipient does-n’t have 35 years in the work force, theSocial Security Administration willadd zero-earnings figure and may sig-nificantly lower your benefits.

4.) Invest more; to make up fordiscrepancies in retirement benefits,women should consider investingmore than their male counterparts. Forexample, a woman who takes sevenyears off from a 40-year career can ex-pect to receive only half the pensionbenefits of someone with 40 years ofuninterrupted services.

5.) Know your risk tolerance.Consider how much risk you are will-ing to take in exchange for the poten-

tial to earn higher returns. Historically,equity investments have providedhigher returns over the long term thanless-risky investments, such as moneymarkets and short-term bonds, al-though past performance is no guaran-tee of future results. Consider annu-ities for a guarantee of principal andgrowth.

6.) Get out of debt. Debt is a seri-ous issue for men and women.However, credit counselors report, thatwomen are more likely than men totake the first step toward becomingmore disciplined and reducing theirdebt. First, understand your spendingand reduce spending so you don’t con-tinue to add to your debt. Then attackour existing debt by paying off high-ratedebt first and if possible transferringhigh-rate debt to lower rate credit cards.

7.) Do tax planning. With morefemale business owners and more sin-gle women buying homes and qualify-ing for mortgage interest and propertytax deductions, tax planning is becom-

ing an integral part of women’s finan-cial lives. If possible, always contributethe maximum amount to your IRAand/or 401(k) and maximize your taxdeductions.

8.) Consider insuring your in-come with disability income insuranceand consider buying Long Term CareInsurance to protect retirement assetsfor you and your spouse.

9.) Keep retirement top of mind.Although women have made many im-pressive strides toward financial inde-pendence, they report having only halfas much for retirement as men gener-ally, because women live longer thanmen, they should save 12 percent oftheir gross income for retirement,rather than just 10 percent.

10.) Seek help. Meet with a quali-fied financial advisor to create a finan-cial plan specifically designed to helpmanage your personal economy.

And remember not being depend-ent on your family when you’re older isthe least selfish thing that you can do.

158 SW 1st St.Ontario OR

541-881-1447www.salonsalonandthespa.com

253 S.W. 4th Ave.Ontario, Oregon

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Se Habla

Español 541-889-1999

Your Future Looks BrightThe time to buy is now!Homes are now more affordable than ever!

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Reba “The Boss”


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Weiser Branch Ontario Branch

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