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	<title>PoconoWomen &#187; tips</title>
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		<title>Invest in YOURSELF!</title>
		<link>http://poconowomentoday.com/2010/10/invest-in-yourself/</link>
		<comments>http://poconowomentoday.com/2010/10/invest-in-yourself/#comments</comments>
		<pubDate>Sun, 10 Oct 2010 23:05:04 +0000</pubDate>
		<dc:creator>megawattcom</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[rogan]]></category>
		<category><![CDATA[tips]]></category>

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		<description><![CDATA[Some handy, dandy tips abound: Investing in Yourself: You’re Worth It! From the desk of: Michelle Rogan Trust &#38; Estate Services Manager ESSA Bank &#38; Trust Start Saving Early ×          Establish a personal savings account for emergency expenses. ×          Participate in employer-sponsored retirement plans. ×          Contribute to Individual Retirement Accounts (IRAs) – Traditional or Roth [...]]]></description>
			<content:encoded><![CDATA[<p>Some handy, dandy tips abound:</p>
<h1 style="text-align: center;">Investing in Yourself: You’re Worth It!</h1>
<h3 style="text-align: center;"><em>From the desk of:</em></h3>
<h3 style="text-align: center;">Michelle Rogan</h3>
<h3 style="text-align: center;">Trust &amp; Estate Services Manager</h3>
<h3 style="text-align: center;">ESSA Bank &amp; Trust</h3>
<p><a href="http://poconowomentoday.com/wp-content/uploads/2010/06/Rogan-Michelle2-e1275495546307.jpg"><img class="aligncenter size-medium wp-image-451" title="Rogan, Michelle2" src="http://poconowomentoday.com/wp-content/uploads/2010/06/Rogan-Michelle2-222x300.jpg" alt="" width="222" height="300" /></a></p>
<p><strong>Start Saving Early</strong></p>
<p>×          Establish a personal savings account for emergency expenses.</p>
<p>×          Participate in employer-sponsored retirement plans.</p>
<p>×          Contribute to Individual Retirement Accounts (IRAs) – Traditional or Roth – depending on tax advantages; consult your tax advisor for plans for self-employed.</p>
<p>×          Consider working with a financial planner or advisor.</p>
<p>×          Time is really on your side if you save while you are younger.</p>
<p><strong>Understanding and Calculating Your Net Worth</strong></p>
<p>×          Knowing what you have now will help you develop a plan for your future.</p>
<p>×          Income Sources</p>
<p>×          Expenses: Fixed and Variable</p>
<p>×          You need to know whether your net worth is negative or positive in order to move forward in your financial and personal life.</p>
<p><strong> </strong></p>
<p><strong>Why Women Need to Save More for Retirement</strong></p>
<p>×          Women will generally outlive their husbands by 15 years according to Women’s Institute for Financial Education (<a href="http://www.wife.org/">www.wife.org</a>).</p>
<p>×          Women receive only 54% of pension income as men do according to the Older Women’s League.</p>
<p>×          Women tend to work less and earn less than male counterparts, approximately 76 cents on the dollar.</p>
<p>×          Women are more likely than men to leave the workforce to care for children or a sick elderly parent.</p>
<p><strong>Develop a Retirement Strategy</strong></p>
<p>×          Establish a time horizon.</p>
<p>×          Understand risk tolerance.</p>
<p>×          Establish a long-term goal for retirement and imagine what it will look like in the future.</p>
<p>×          Know what you have, where it is, and how it is invested.</p>
<p>×          Review your investment statements regularly.</p>
<p>×          Do not react to short-term changes in the economic environment.</p>
<p>×          Prepare to stay the course; retirement is a process that is long term and involves careful planning.</p>
<p><strong>Choosing the Right Investments</strong></p>
<p>×          Different life stages require different types of investments.</p>
<p>×          Understand investment risk versus reward. How much risk are you willing to take?</p>
<p>×          Learn the difference between stocks, bonds, and mutual funds.</p>
<p>×          Consider asset allocation when reviewing your portfolio.</p>
<p>×          Recognize the importance of diversifying investments in your portfolio.</p>
<p><strong>Understanding External Factors</strong></p>
<p>×          Expenses will continue to rise and have an impact on your savings.</p>
<p>×          Pay attention to inflation, health care costs, and the economy in general.</p>
<p>×          Consider long-term care insurance to hedge against the rise in private home care and nursing home costs.</p>
<p>×          Plan for increases in expenses and spend wisely.</p>
<p>×          Look for ways to lower expenses by shopping various service providers.</p>
<p>×          Maintain a budget and play an active part in the savings process.</p>
<p>×          Monitor your savings plan regularly.</p>
<p><strong>Deciding to Retire</strong></p>
<p>×          What does your retirement look like?</p>
<p>×          Do you have a business succession plan?</p>
<p>×          Do you have enough resources to retire?</p>
<p>×          Take advantage of financial calculators available on the Internet.</p>
<p>×          Review what benefits are available to you, including pensions, 401k, insurance coverage, and social security.</p>
<p>×          Review your social security statements for accuracy.</p>
<p><strong>Quick Tips</strong></p>
<p>1.       Start saving early, monitor your investments, adjust risk and asset allocation as retirement approaches, and stay the course.</p>
<p>2.       Calculate your net worth at least annually.</p>
<p>3.       Update your goals for savings and retirement regularly.</p>
<p>4.       Make sure beneficiaries of retirement plans, insurance policies, and annuity contracts are reviewed and updated as needed.</p>
<p>5.       Update your business plan annually.</p>
<p>6.       Do not try to time the market.</p>
<p><strong><br />
</strong></p>
<p><strong> </strong></p>
<p><strong> </strong></p>
<p><strong>Other Resources</strong></p>
<p>×          Choosing a Retirement Plan for employees of tax-exempt and government entities: <a href="http://www.irs.gov/pub/irs-pdf/p4484.pdf">http://www.irs.gov/pub/irs-pdf/p4484.pdf</a></p>
<p>×          Cash Flow Planning for Life: <a href="http://www.schwab.com/public/schwab/research_strategies/market_insight/financial_goals/financial_planning/cash_flow_planning_for_life.html?cmsid=P-2378093&amp;lvl1=research_strategies&amp;lvl2=market_insight&amp;">http://www.schwab.com/public/schwab/research_strategies/market_insight/financial_goals/financial_planning/cash_flow_planning_for_life.html?cmsid=P-2378093&amp;lvl1=research_strategies&amp;lvl2=market_insight&amp;</a></p>
<p>×          Small Business Retirement Savings Advisor:</p>
<p><a href="http://www.dol.gov/elaws/pwba/plans/final.asp">http://www.dol.gov/elaws/pwba/plans/final.asp</a></p>
<p>×          Retirement Savings Calculator: <a href="http://www.schwab.com/public/schwab/planning/retirement/retirement_savings_calculator?cmsid=P-2294686&amp;lvl1=planning&amp;lvl2=retirement">http://www.schwab.com/public/schwab/planning/retirement/retirement_savings_calculator?cmsid=P-2294686&amp;lvl1=planning&amp;lvl2=retirement</a></p>
<p>×          Personal Net Worth Worksheet: <a href="http://www.schwabmoneywise.com/resources/worksheets/Net-Worth-Worksheet.pdf">http://www.schwabmoneywise.com/resources/worksheets/Net-Worth-Worksheet.pdf</a></p>
<p>×          Roth 401(k) vs. Regular 401(k) Calculator: <a href="http://scrs.schwab.com/tools/schwab_roth_401k_calc.htm">http://scrs.schwab.com/tools/schwab_roth_401k_calc.htm</a></p>
<p>×          Choosing a Retirement Solution for Your Small Business: <a href="http://www.dol.gov/ebsa/pdf/choosing.pdf">http://www.dol.gov/ebsa/pdf/choosing.pdf</a></p>
<p>×          Introduction to Individual Retirement Accounts:</p>
<p><a href="http://www.ots.treas.gov/_files/427077.pdf">http://www.ots.treas.gov/_files/427077.pdf</a></p>
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		<title>PW EVENT &#8211; Money and Martinis: Perfect Together!</title>
		<link>http://poconowomentoday.com/2010/07/pw-event-money-and-martinis-perfect-together/</link>
		<comments>http://poconowomentoday.com/2010/07/pw-event-money-and-martinis-perfect-together/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 15:04:46 +0000</pubDate>
		<dc:creator>megawattcom</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Fun]]></category>
		<category><![CDATA[Locally-Centered]]></category>
		<category><![CDATA[Baehr Financial]]></category>
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		<category><![CDATA[money and martinis]]></category>
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		<description><![CDATA[Join us for our next scheduled  &#8216;Money and Martinis&#8217; events on Thursday, September 23, 2010 at 5:30 pm at Liquid Martini Bar on Main Street in Stroudsburg. Learn some great tips in a low pressure, high &#8216;liquid&#8217; environment Erin Baehr, of Baehr Financial Planning, will be on-hand for the evening&#8217;s frivolity. =) A Members Only [...]]]></description>
			<content:encoded><![CDATA[<p>Join us for our next scheduled  &#8216;Money and Martinis&#8217; events on Thursday, September 23, 2010 at 5:30 pm at Liquid Martini Bar on Main Street in Stroudsburg.</p>
<p>Learn some great tips in a low pressure, high &#8216;liquid&#8217; environment <img src='http://poconowomentoday.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
<p>Erin Baehr, of Baehr Financial Planning, will be on-hand for the evening&#8217;s frivolity. =)</p>
<p>A Members Only benefit: No admittance fee for members. Cash Bar. (Guests can join or renew their membership @ the door!)</p>
<p>To register, <a href="mailto: info@poconowomen.com">contact Trudie</a> today!!</p>
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		<title>Getting to Know You: Icebreaker Ideas and YOUR Intros Here!!</title>
		<link>http://poconowomentoday.com/2010/06/getting-to-know-you-icebreaker-ideas-and-your-intros-here/</link>
		<comments>http://poconowomentoday.com/2010/06/getting-to-know-you-icebreaker-ideas-and-your-intros-here/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 12:52:11 +0000</pubDate>
		<dc:creator>megawattcom</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[communication]]></category>
		<category><![CDATA[icebreakers]]></category>
		<category><![CDATA[introductions]]></category>
		<category><![CDATA[meetings]]></category>
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		<guid isPermaLink="false">http://poconowomentoday.com/?p=554</guid>
		<description><![CDATA[I am often complimented on my unusual icebreakers and introductions.  I think the point of networking is to get people past the initial discomfort and to really interact. Here are some interesting icebreakers to start off your next meeting or teambuilding session.  THEN, please respond to ONE of the options with YOUR answers (tell us [...]]]></description>
			<content:encoded><![CDATA[<p>I am often complimented on my unusual icebreakers and introductions.  I think the point of networking is to get people past the initial discomfort and to really interact. Here are some interesting icebreakers to start off your next meeting or teambuilding session.  THEN, please respond to ONE of the options with YOUR answers (tell us which one you&#8217;re doing, too!!)</p>
<p>Thanks!</p>
<p><a href="http://poconowomentoday.com/wp-content/uploads/2010/03/bar44.gif"><img class="aligncenter size-medium wp-image-226" title="bar44" src="http://poconowomentoday.com/wp-content/uploads/2010/03/bar44-300x4.gif" alt="" width="300" height="4" /></a></p>
<p>1. Story of My Life</p>
<div>
<p>You have just been given a contract to write your autobiography for a  major publishing company.  Your agent Harry Hardnose is anxious to get  to press.  He has decided to help you get started with a few probing  questions.</p>
<ol>
<li>First, take a piece of flipchart paper and fold it in half and then  in half again to form a book.</li>
<li>Choose the title of a popular song for the name of your book.  Write  that title on the front cover.</li>
<li>On the inside of the front cover (page two), list a table of  contents.</li>
<li>Name of the place where you were born</li>
<li>Description of your first job</li>
<li>Number of years you have been working for your company</li>
<li>On page three, draw a picture of your family.</li>
<li>On the back cover of the book, draw a picture of what you plan to do  when you retire.  Where will you go?  Who will you go with?  Etc.</li>
</ol>
<p>Materials Needed</p>
<p>Paper<br />
Markers</p>
<p>Time</p>
<p>Allow five to ten minutes for setup, and drawing.  When all books are  complete, have people tell their story, using the book as a visual  aid.  Depending on the size of the group, you may want to debrief in  smaller groups.  If possible, leave the books in a central location  during your training to encourage further introductions and discussions.</p>
<p>Variations</p>
<ul>
<li>Change the focus of the pages of the book.  For instance, most  exciting moment, favorite food, most exciting vacation, etc.  Be careful  not to make any of the questions too personal.  The idea is to open  people up, not shut them down.</li>
</ul>
<hr />2. What&#8217;s Cooking?</p>
<p>Your family (group) just inherited a successful restaurant from Chef  Charlie, a long lost relative.  The only problem: Charlie was very  disorganized.  The only recipes you have found are on torn strips of  paper.  You have to make sense of it all and quickly!  The restaurant is  opening tonight, and you have to have the food ready.</p>
<ul>
<li>Each member of the group will be given part of recipe (an  ingredient, instruction, etc.).</li>
<li>Your job is to put yourselves in order as quickly as possible.  Your  recipe must make sense.</li>
<li>When your group is done, loudly announce “bon appetite” to signal  the end of the game.</li>
</ul>
<p>Materials Needed</p>
<p>Several Small Prizes for the Winning Team</p>
<p>Cut Recipes (Separate the Title, Ingredients, Instructions, Etc.)</p>
<p>Time</p>
<p>Allow ten to 12 minutes for the game.  Once a team calls “bon  appetite,” have them introduce themselves and read their recipe in  order.</p>
<p>Variations</p>
<ol>
<li>For an added challenge, this game can be made considerably more  difficult if groups are not pre-designated before the recipe pieces are  distributed.  Participants must then not only find the correct order but  the correct recipe as well.</li>
</ol>
<hr />3. ABCs of Me</p>
<p>You have been hired by the Creative Classroom Company to illustrate a  poster to help children learn their ABCs.  By happy coincidence, you  and your first name are the subject of the poster!</p>
<ol>
<li>First, take a piece of flipchart paper and write your name  vertically down the left side.</li>
<li>Next, choose a word that starts with each letter of your name.  The  word should describe something about you.  Write those words  horizontally across the paper, using the letters of your name as the  first letter of each descriptive word.</li>
<li>After you have listed your words, draw an accompanying picture to  illustrate each.</li>
<li>When you are finished, tape your poster to the wall.</li>
</ol>
<p>Materials Needed</p>
<p>Paper<br />
Markers<br />
Tape</p>
<p>Time</p>
<p>Allow five to ten minutes for setup and drawing.  When all posters  are complete, have people introduce themselves using their name  drawing.  Depending on the size of the group, you may want to debrief in  smaller groups.  If possible, leave the drawings posted throughout your  training session.</p>
<p>Variations</p>
<ul>
<li>Narrow the focus of the words.  For instance, all words must be  adjectives, nouns, or verbs related to work, related to foods you like,  etc.</li>
</ul>
<hr />4. I Remember</p>
<p>You and the others in your group are about to revisit the past and  take a trip down “Memory Lane.”</p>
<ol>
<li>First, get a coin.</li>
<li>Next, look at the year on the coin.  Take a minute to think about  what you were doing when that coin was minted.  Were you in school?   Were you a child?  Where did you work?  Were you married?  Where did you  live?  What was going on in your life at that time?  What was the music  of the day? Etc.  (If you were not yet born or prefer not to discuss  your life during the year selected, choose another coin.)</li>
<li>After you have had some time to remember where you were, you are  ready to play the game.  Your goal is to find someone with a coin that  was minted at least two years before or after yours.  Ultimately, your  goal is to have the oldest coin in the room.</li>
<li>Once you have found a partner, take three minutes to tell each other  about your moments in time.  When you are finished, each of you flip  your coin.  Reveal the results of your toss to your partner.  If they  are alike (both heads or tails) exchange coins.  If they differ, keep  your original coin.</li>
<li>Repeat the process up to three times as designated by the  facilitator.</li>
</ol>
<p>Materials Needed</p>
<p>Coins<br />
Prize</p>
<p>Time</p>
<p>Allow five minutes for setup.  Allow five minutes for each round.  At  the end of all rounds, call each year in order and ask each participant  to stand and give his or her name.  Award a prize to the holder of the  oldest coin.</p>
<p>Variations</p>
<ul>
<li>Use your own coins to ensure an even distribution of years.</li>
<li>If using your own coins, incorporate a piece of corporate history  with each.  Research a fact or figure about each year of your business  and include it with the corresponding coins.  When the participants  exchange their own information, they can also share a piece of the  corporate history.  When debriefing, call each year in order and ask the  participant with the year called to read his or her fact.</li>
</ul>
<hr />
<div>
<p>5. Six Degrees of Separation</p>
</div>
<p>It happens all of the time: we meet someone who knows someone we  know.  It’s a small world, that’s for sure.  The object of this game is  to see how small the world really is.</p>
<ol type="1">
<li>First, find a partner.  Introduce yourselves and make a list of five  to ten things that you have in common with each other: where you went  to school, year you were born, number of years with the company, food  likes, sports likes, etc.</li>
<li>Once you have completed your first list, you must find someone else  in the room that also has one of those five to ten things in common with  you.  When you have found that person, repeat step one and develop a  new list.</li>
<li>Repeat step two.</li>
<li>Continue until you have met five other people or time is called by  the facilitator.</li>
<li>A prize will be given to the first person able to complete the  game.  When you are done, let the facilitator know that you have  finished.</li>
</ol>
<p>Materials Needed</p>
<p>Prize</p>
<p>Time</p>
<p>Allow approximately 15 &#8211; 20 minutes for game.  Once most people have  finished, call time.  Ask your winner to reveal his/her chain of  separation by introducing those interviewed.</p>
<hr />
<div>
<p>6. Scavenger Hunt</p>
</div>
<p>You are about to begin a scavenger hunt with several members of this  training group.  The object of the game is to collect all of the items  listed below as quickly as possible.  You may talk with anyone in the  group.  You may not leave the room.  You must associate each item with  the person who gave it to you.  You may not get more than two items from  any one person.  Once the facilitator has assigned groups, you may  begin play.  When your team is finished, your team should loudly  announce the phrase “hunt over” to the rest of the group.  Be prepared  to say where you got each item.  A prize will be awarded to the team  that finishes first.</p>
<ol>
<li>A Driver’s License</li>
<li>A Family Photo</li>
<li>A Store Receipt</li>
<li>A 1979 or Earlier Penny</li>
<li>A Piece of Candy</li>
<li>A Ballpoint Pen</li>
<li>A Lipstick</li>
<li>A Planner, Palm Pilot, Calendar, or Other Organizer</li>
<li>A Drink</li>
<li>A Coffee Cup</li>
<li>A Marker</li>
<li>A Piece of Candy</li>
<li>A Store Credit Card</li>
<li>A Pair of Glasses</li>
<li>A Magazine or Book</li>
</ol>
<p>The list of hunt items should be reviewed by the facilitator before  the game begins in order to make sure that all items are available.</p>
<p>Materials Needed</p>
<p>Several Small Prizes for the Winning Team</p>
<p>Time</p>
<p>Allow 10 &#8211; 12 minutes for the game.  Once a team calls “hunt over,”   have them review each of the items, where they got them, and from whom.</p>
<p>Variations</p>
<ul>
<li>Instead of using actual items, list activities and facts as the  items to find.  For instance, “plays piano.”  The object of the game is  to find someone who plays the piano and associate the person’s name with  that item.</li>
</ul>
<hr />
<div>
<p>7. Tattoo</p>
</div>
<p>You have just arrived at Tony’s Tattoo Parlor for a tattoo.   Tony is  competing for “Tattoo King of the Year,” a contest sponsored by Needle  Knows magazine.  Every design is a potential entry, and Tony wants each  of his tattoos to say something about the person wearing them.  From  you, he needs a little inspiration and a design before he can start his  work.  Tony is excellent at lettering, animals, characters, band logos,  maps, etc.</p>
<ol>
<li>On your piece of paper, you are to design a rough tattoo that  reveals something about yourself, your work, your hobbies, or your  family, in order to help get Tony’s creative juices flowing.</li>
<li>You must also make a note about how big the tattoo should be and  where you will have it applied.</li>
</ol>
<p>Materials Needed</p>
<p>Paper<br />
Tape<br />
Markers</p>
<p>Time</p>
<p>Allow five to ten minutes for setup, drawing, and posting designs on  the wall.  Depending on the size of the group, you may want to debrief  in smaller groups.  If possible, leave the designs posted throughout  your training to encourage further introductions and discussions.</p>
<p>Variations</p>
<ul>
<li>Narrow the scope of the tattoo design: what you do at work, an  animal most like you, favorite song, favorite band, adjective that best  describes you, etc.</li>
<li>Divide your group in two.  For round one, assign one group the role  of Tony and the other group the role of the customer.  Each customer  must find a Tony and tell him about the design they would like and why.   Tony is to draw a design, asking questions as he or she goes.  After  the first set of designs is complete, the groups reverse roles.  To  encourage additional interaction, ask the customers to “shop around” and  find another partner to work with.  To debrief, let each Tony describe  what he or she drew and for whom.</li>
</ul>
<hr />
<div>
<p>8. Storyteller</p>
</div>
<p>You are about to stretch your storytelling skills with the help of  others in the group designated by the facilitator.  You will incorporate  facts about yourself into a story that could just go anywhere.</p>
<p>First, write down the name of …</p>
<ol>
<li>something you would see in a store.</li>
<li>something you would buy as a gift for your mother.</li>
<li>your favorite sport</li>
<li>your favorite celebrity.</li>
<li>a crime.</li>
<li>your favorite restaurant.</li>
<li>a tourist attraction.</li>
<li>a profession.</li>
<li>the name of someone in the room.</li>
</ol>
<p>The facilitator will begin the story with, “Once upon a time, I found  the most unusual thing.”  The next person is to fill in the next piece  of the story.  The object of the game is to incorporate as many of the  items as you can from those listed above.  No one can say more the two  sentences at a time.  Turns must be taken in order.  To win, you must  incorporate all of your words and then conclude the story.  Everyone  must get an opportunity to “write” from their imagination at least twice  before the story can end.</p>
<p>Materials Needed</p>
<p>Prize</p>
<p>Time</p>
<p>Allow ten to 20 minutes for the game.  If the group is large,  consider breaking into smaller subgroups or reducing the number of  incorporated words required to win.  For instance, you must work in five  words from those listed in part one.</p>
<p>Variations</p>
<ul>
<li>You can easily tailor this game by changing the questions in part  one to better match your industry, company, etc.</li>
</ul>
<hr />9. Trait Trader</p>
<p>You have just taken a job as a trait trader in the fictitious  exchange, the Personality Market.  You are a new executive, and it is  very important to you that you do well in your new job.  To do so, you  must trade wisely and end the game with a trait that applies to you.</p>
<ol>
<li>In a moment, you will be given a piece of paper (trade slip) with a  personality or character trait written on it (e.g. tall, creative,  adventurous, quiet, etc.) Write your name on the slip.</li>
<li>You must trade your slip with someone else.  If your new trait also  applies to you, write your name on that slip.  If not, move to step  three.</li>
<li>Trade again.  Your goal is to end up with a trait that applies to  you and to have written your name on more slips than anyone else.</li>
<li>When the facilitator calls out “exchange closed,”  the game is over.</li>
<li>You may stop trading before the exchange closes.  Remember, your  goal is to end up with a trait that applies to you and to have written  your name on more slips than anyone else.</li>
</ol>
<p>Materials Needed</p>
<p>Prize</p>
<p>Trait Slips (Consider: Over 5’8”, Born in the 70s, Red Hair, Curly  Hair, Athlete, Creative, Talkative, Adventurous, Quiet, Bossy,  Demanding, Funny, Dare Devil, etc.)  You design the slips based on your  group.  Remember to be sensitive to age, gender, etc.</p>
<p>Time</p>
<p>Allow 12 &#8211; 15 minutes for the game and then call “exchange closed.”   Next, ask everyone to turn their trait slip to the side that holds the  names of the traders.  Ask your first trader to say his or her name and  to read his or her trait, stating whether or not it is true about them.   Then, ask the others in the group to raise their hands if the trader’s  name appears on their trade slips.  Count the hands.  Move to the next  trader and repeat.  When done, award the prize to the trader with the  most slips signed who has a trait that describes him or her on the final  slip.</p>
<hr />
<div>
<p>10. Race for the Truth</p>
</div>
<p>You and the other “runners” in the room are about to embark on a race  for the truth.  Your goal is to cross the finish line as quickly as  possible by truthfully answering questions about yourself as you follow  the facilitator’s directions.</p>
<ol>
<li>Line up on the starting line as directed by the facilitator.</li>
<li>In a moment you will hear a statement.  If it is true about you,  move forward one step.  If it is false, remain at the finish line.</li>
<li>Once all first moves have been made, the facilitator will make  another statement.  Again, if it is true, move forward one step.  If it  is false, remain on the starting line if you have not yet advanced.  If  you have advanced past the starting line, take one step back.</li>
<li>Repeat step three until the first “runner” completes the race.</li>
</ol>
<p>Materials Needed</p>
<p>2 Long Pieces of String for the Start and Finish Lines</p>
<p>List of Statements Related to The Group (e.g. “I have worked here  more that one year.” “I think we have too many meetings around here.” or  “I understand xyz aspect of my job.”</p>
<p>Time</p>
<p>Allow five to ten minutes for this activity.</p>
<p>Variations</p>
<ul>
<li>Narrow the scope of the statements to relate to issues at work,  materials being covered, etc.</li>
</ul>
<hr />
<div>
<p>11. Candy Confessions</p>
</div>
<p>You have just taken a job as a candy tester in the Candy Confessions  factory.  What makes this candy different from other candy is that each  flavor is associated with a fact about you. Your job is to select and  “test” four different candies from a bowl/box that will circulate among  all testers.</p>
<ol>
<li>Choose four candies from the bowl without looking.  In a moment, a  key code will be revealed, indicating which truths you should tell.</li>
<li>Once the code has been revealed you may begin your confession.</li>
</ol>
<p>Materials Needed</p>
<p>Basket of Candy</p>
<p>Key Code (e.g. Kit Kats = Favorite Movie, Favorite Magazine, Favorite  Song, or Favorite Book, Krackle = Favorite Vacation Spot, Place You  Would Like To Visit, Place You Would Least Like To Visit, or Worst  Vacation, Lollipop =Number of Years in Current Position, Where You Work,  What You Do, or Brief Description of First Job, Gum Drops = Something  About Where You Live, Something About Where You Grew Up, Something About  Your Family, Something About Your Town/City, Kisses = Wildcard [tell us  anything])</p>
<p>Time</p>
<p>Allow ten to 20 minutes for the entire process.</p>
<p>Variations</p>
<ul>
<li>Allow people to take as many candies as they like from the basket  and reveal something random about themselves for each candy they take.</li>
<li>Use a ball of string.  Allow each person to take as much as they  like.  For each inch, they must reveal something about themselves.   (Additional material: string, scissors, and ruler)</li>
</ul>
<hr />
<div>
<p>12. True or False</p>
</div>
<p>You have just entered a new society of truth-tellers and liars.  You  and the others sometimes tell the truth and sometimes lie. The key to  this society is knowing when you are being lied to and when you are  being told the truth.</p>
<p>Partners must guess if a statement is the truth or a lie.  If both  players are correct, move on.  If both are incorrect, move on.  If one  is correct and one is wrong, the wrong person is out.</p>
<ol>
<li>First, flip a coin. If it reveals “heads,” you tell truth; if  “tails,” you lie.</li>
<li>Find a partner, swap stories.  Your partner must then guess if you  told the truth or a lie.  If both are correct,  move on. If both are  incorrect, move on.  If one is correct and one wrong, the person who  guessed incorrectly is out.</li>
<li>Move on and repeat steps one and two until one person remains and is  declared the winner.</li>
</ol>
<p>Materials Needed</p>
<p>Prize</p>
<p>Extra Coins</p>
<p>Time</p>
<p>Allow ten to 20 minutes to play the game, depending on the size of  the group.  Award a prize to the person who remains standing.</p>
<hr />
<div>
<p>13. The Magic Lamp</p>
</div>
<p>You and your team have just found a lamp.  You rub it, and surprise!   A genie appears.  The genie grants you three wishes.  You are allowed  to make three changes at work. You may change yourself, your boss, your  job, the people around you, etc.</p>
<ol>
<li>The facilitator will soon divide you into groups of three to five  people and give your team a piece of flipchart paper and a marker.</li>
<li>Once you have your materials, design your wish list for your genie.   When you are finished, post it on the wall.</li>
</ol>
<p>Materials Needed</p>
<p>Flipchart Paper</p>
<p>Markers</p>
<p>Time</p>
<p>Allow five to ten minutes for setup, writing, and posting lists on  the wall.  Allow five minutes for debriefing. If possible, leave the  lists posted throughout your training to encourage further introductions  and discussions.</p>
<hr />
<div>
<p>14. Totem Truths</p>
</div>
<p>In the past, a totem pole was carved for several reasons; for  example, to honor a deceased elder who was important to the carver, to  show the number of rights and names a person had acquired over his or  her lifetime, or to document an encounter with the supernatural.  Today,  totems are carved not only for those reasons but also to tell the story  about the person commissioning the pole.  You and your team are about  to design a totem pole to discover your group’s strengths and  weaknesses.</p>
<ol>
<li>In a moment, the facilitator will divide you into teams. Each of you  will be handed a piece of cardboard and a list of totems.  You are to  design a totem figure that best represents your strengths in the group.   You may use one of the totem symbols given or make up your own.</li>
<li>Once you have completed your drawing, you and your team will tape  them one on top of the other on a portion of the wall.  Be prepared to  explain your strength to the group.</li>
</ol>
<p>Materials Needed</p>
<p>8.5” x 11” Cardboard Piece for Each Participant</p>
<p>Markers</p>
<p>List of Animal Totems (pages following)</p>
<p>Time</p>
<p>Allow 20 minutes for the entire process.</p>
<p>This exercise is excellent for teambuilding.</p>
<p>Variations</p>
<ul>
<li>Ask each group to design a group crest, similar to a family crest.   The only disadvantage to this versus the totem is that the groups are  static.  With the totems, you can reorganize the groups and have them  rebuild the poles throughout the day’s activities.</li>
</ul>
<p>Too Many Cooks</p>
</div>
<div>
<p>SYMBOLS<br />
Alligator &#8211; Maternal and  vengeful<br />
Ant  &#8211; Group minded, patient, active, and industrious<br />
Antelope   &#8211; Active, agile, and willing to sacrifice<br />
Armadillo  &#8211; Safety  oriented and cautious<br />
Badger  &#8211; Courageous, aggressive, healing and  energizing<br />
Bat  &#8211; Regenerative and long living<br />
Bear &#8211; Industrious,  instinctive, healing, powerful, sovereign, protective of the world, and  strong<br />
Beaver  &#8211; Determined, strong-willed, constructive, and  protective<br />
Bee  &#8211; Organized, industrious, productive, wise, social,  celebratory, and enthusiastic about life<br />
Buffalo  &#8211; Sacred and strong<br />
Butterfly   &#8211; Metamorphic and transformative<br />
Cat &#8211; Protective, detached,  sensual, mysterious, magical, and independent<br />
Cheetah  &#8211; Swift,  insightful, and focused<br />
Cow &#8211; Nurturing and maternal<br />
Coyote  &#8211;   Intelligent, stealthy, tricky, and mischievous<br />
Crane &#8211; Solitary,  just, enduring, independent, intelligent, and vigilant<br />
Crow  &#8211;  Law  enforcing, shape shifting, changeable, creative, spiritual, energetic,  and just<br />
Deer  &#8211; Intellectual, gentle, caring, kind, subtle,  graceful, feminine, gentle, and innocent<br />
Dog  &#8211; Noble, faithful,  loyal, trainable, protective, and guiding<br />
Dolphin  &#8211; Kind, prudent,  capable of deep emotion, wise, and happy<br />
Dragon  &#8211; Enduring,  infinite, wise, powerful, and fiery<br />
Dragonfly  &#8211; Flighty,  carefree,  and strongly imaginative<br />
Eagle  &#8211; Divine, sacrificing, intelligent,  courageous, spiritually illuminated, healing, and daring<br />
Elephant  &#8211;  Strong, powerful, and wise<br />
Elk &#8211; Strong and agile, proud,  independent, pure, and noble<br />
Falcon  &#8211; Adventurous, passionate, and  leading<br />
Fish &#8211; Graceful<br />
Fox &#8211; Cunning, agile, quick-witted,  diplomatic, wild; feminine in its magic of camouflage, shape-shifting  and invisibility<br />
Frog  &#8211; Cleansing, transformative, sensitive,  medicinal, undiscernibly beautiful and powerful<br />
Gazelle  &#8211; Aggressive<br />
Goose   &#8211; Self-demanding, reliable, prudent, rigid, vigilant, parental, and  productive<br />
Hawk  &#8211; Informative, intuitive, victorious, healing,  noble, cleansing, visionary, and protective<br />
Horse – Independent,  enduring, mobile, terrestrial, powerful, and free<br />
Hummingbird  &#8211;  Portentous, timeless, healing, and combative<br />
Jaguar  &#8211; Chaotic and  shape shifting<br />
Lion  &#8211; Family-oriented, strong, energetic,  courageous, and protective<br />
Lizard – Conservational and visionary<br />
Llama   &#8211; Comforting to others<br />
Lynx  &#8211; Discrete, protective, and guiding<br />
Moose  &#8211; Headstrong, enduring, steadfast, and wise<br />
Mouse  &#8211; Observant,  orderly, organized, and detail oriented<br />
Opossum  &#8211; Diversionary,  strategic, and deceptive<br />
Otter  &#8211; Playful, friendly, dynamic, joyful,  helpful, and generous<br />
Owl  &#8211; Deceptive, clairvoyant, insightful,  informative, detached, wise, changeable, and silent<br />
Ox &#8211; Sacrificing  and self-denying<br />
Peacock  &#8211; Immortal, dignified, and self-confident<br />
Porcupine   &#8211; Innocent, companionable, and trustworthy<br />
Rabbit  &#8211; Fearful, timid,  nervous, humble, fertile, intuitive, balanced, and fertile.<br />
Raccoon   &#8211; Curious and clean<br />
Raven  &#8211; Introspective, courageous,  self-knowing, healing, protective, tricky, and magical<br />
Salmon  &#8211;  Proud, intense, confident, wise, inspiring, and rejuvenating<br />
Seahorse   &#8211; Confident and graceful<br />
Seal &#8211; Loving, desirous, imaginative,  creative, and dreamy<br />
Shark  &#8211; Predatory, enduring, and adaptable<br />
Skunk   &#8211; Noticeably present, and strong<br />
Snake  &#8211; Impulsive, shrewd,  transformative, healing, energetic, and wise<br />
Squirrel  &#8211; Organized  and gathering<br />
Stag &#8211; Sovereign, regenerative, giving of bounty,  beauty, and mystical signs.<br />
Swan  &#8211; Graceful, balanced, innocent,  soulful, loving, beautiful, self-possessed<br />
Tiger &#8211; Strong, valorous,  powerful, and energetic<br />
Turkey &#8211; Generous, life-giving, and  self-sacrificing<br />
Turtle &#8211; Nurturing, shy, and protective<br />
Weasel  &#8211;  Strong, energetic, ingenious, and stealthy<br />
Whale – Wise and giving<br />
Wolf   &#8211; Loyal, persevering, successful, intuitive, trainable, ritualistic,  and spirited<br />
Woodpecker  &#8211; Sensitive, protective, and loyal</p>
<hr /></div>
<div>
<div>
<p>15. Definitions</p>
</div>
<p>You have just taken a job at a dictionary company.  You are  responsible for editing a new edition.  The only problem is that some of  the computers went on the fritz and wiped out various definitions.  You  have decided to “wing it” and make up definitions for the words of  which you don’t know the meaning.</p>
<ol type="1">
<li>In a moment, you will be handed a card.  It will contain either a  word or a word and a definition.</li>
<li>If you received a “word only” card, you must make up a definition.</li>
<li>If you received a definition card, you must explain the definition  without reading the card.</li>
<li>The object of the game is for the others in the group to spot the  real definition of the word.</li>
<li>You may not vote on your own word.</li>
</ol>
<p>Materials Needed</p>
<p>Small Prizes</p>
<p>Index Cards with Words</p>
<p>Index Cards with Definitions of Lesser-Known Words (See Example)</p>
<p>Brobdingnagian \brahb-ding-NAG-ee-uhn\, adjective:<br />
Colossal; of  extraordinary height; gigantic. &#8212; as a noun: a giant. [Often misspelt  Brobdignagian.]</p>
<ol>
<li>&#8220;The final triumph of my Brobdingnagian persecutor.&#8221; &#8211;William  Godwin, The Enquirer</li>
<li>&#8220;A brand-new brobdingnagian hotel.&#8221; &#8211;Benjamin Disraeli, Lothair</li>
<li>&#8220;Known to our Brobdingnagian intelligence as grains of sand.&#8221;  &#8212;Grant Allen</li>
</ol>
<p>Time</p>
<p>Allow 5 minutes for preparation.  Allow 10 minutes to play the game.   Award small prizes to the people who guess the most correct answers.</p>
<p>Visit this original article<a href="http://www.businesstrainingworks.com/Train-the-Trainer/Icebreakers-Free.html"> here</a>.</p>
</div>
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		<title>PR on the Cheap!</title>
		<link>http://poconowomentoday.com/2010/06/457/</link>
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		<pubDate>Fri, 04 Jun 2010 01:55:57 +0000</pubDate>
		<dc:creator>megawattcom</dc:creator>
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		<description><![CDATA[As a marketing professional, I spend a lot of time analyzing the way clients have spent their money in the past, and how best to maximize every cent in the future.  One of the prime resources clients have is their innate ability to sell their product or service, yet remarkably few understand how to do this well.]]></description>
			<content:encoded><![CDATA[<p><a href="http://poconowomentoday.com/wp-content/uploads/2010/06/meg-headshot.jpg"><img class="alignleft size-medium wp-image-458" title="meg headshot" src="http://poconowomentoday.com/wp-content/uploads/2010/06/meg-headshot-199x300.jpg" alt="" width="199" height="300" /></a><em><strong>By: Meg A. Watt</strong></em></p>
<p>As a marketing professional, I spend a lot of time analyzing the way clients have spent their money in the past, and how best to maximize every cent in the future.  One of the prime resources clients have is their innate ability to sell their product or service, yet remarkably few understand how to do this well.</p>
<p>Integrated public relations tactics are your least expensive and most advantageous method of “getting the word out”.  You don’t have to spend a penny to get your business exposure, but you have to put forth the effort.  Here are some examples of successful, free means of increasing your client base without the help of a professional:</p>
<p>Your reputation precedes you.  Remember that your customers can either love you or loathe you.  If they love you, encourage them to spread the word, and maybe even offer a referral gift if you make a sale.  Everyone likes to be appreciated.</p>
<p>Press the media for coverage. Both new businesses and established alike miss valuable exposure opportunities daily.  If you have something going on, make sure the media knows about it. The tricky part: don’t saturate.  The local paper doesn’t want to know about your daily sandwich special (for the business page, anyway) but they would love to know about your fundraiser, donating $1 from each purchase to Juvenile Diabetes research.   Here is a great blog post about press release writing, if you can use some pointers.</p>
<p>Socializing pays. This is a two-part tip.</p>
<p>First, networking is your friend.  If you aren’t a member of any organizations like the Chamber, you can still get their calendars and attend events at a higher rate.  Get out there and make your business personal to people.  Meet and mingle so you are the first person they think of when they need your particular good or service.</p>
<p>Second, the web offers vast opportunities to both pique your current clients into a sale, but also to acquaint yourself with new customers.  Join social media sites like Facebook and Twitter and keep your clients abreast of your offers.  Then ask them to spread the word a la “your reputation precedes you.” It’s fast, efficient and requires no printing charges on your part!</p>
<p>As our economy begins its steady climb back to normalcy, remember that even when you can afford help, you should always have an understanding and awareness of your marketing and your brand.  No one sells your business like you; no one knows it better or cares for it more.  Take a vested interest in how your company is presented and how you connect with your clients.</p>
<p>Meg A. Watt is a regional marketing and public relations professional. Her company, Megawatt Communications, is located in Stroudsburg, and online at www.megawattcom.com.</p>
<p><a title="PR on the Cheap!" href="http://poconobusinessjournal.com/columnist/pr-on-the-cheap-with-professional-results">Visit PBJ this month for this article and many more!</a></p>
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		<title>How to Dress for the Interview (and Land the Job!)</title>
		<link>http://poconowomentoday.com/2010/04/how-to-dress-for-the-interview-and-land-the-job/</link>
		<comments>http://poconowomentoday.com/2010/04/how-to-dress-for-the-interview-and-land-the-job/#comments</comments>
		<pubDate>Fri, 02 Apr 2010 00:01:09 +0000</pubDate>
		<dc:creator>megawattcom</dc:creator>
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		<description><![CDATA[Brought to you by the good people at Timex, learn about Spring trends for the office, and the interview!]]></description>
			<content:encoded><![CDATA[<p>Brought to you by the good people at Timex, learn about Spring trends for the office, and the interview!<br />
<object width="660" height="405"><param name="movie" value="http://www.youtube.com/v/4TTagM9eHOA&#038;hl=en_US&#038;fs=1&#038;color1=0x402061&#038;color2=0x9461ca&#038;border=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/4TTagM9eHOA&#038;hl=en_US&#038;fs=1&#038;color1=0x402061&#038;color2=0x9461ca&#038;border=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="660" height="405"></embed></object></p>
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		<title>How to fight inevitable weight gain</title>
		<link>http://poconowomentoday.com/2010/03/how-to-fight-inevitable-weight-gain/</link>
		<comments>http://poconowomentoday.com/2010/03/how-to-fight-inevitable-weight-gain/#comments</comments>
		<pubDate>Wed, 31 Mar 2010 19:37:22 +0000</pubDate>
		<dc:creator>megawattcom</dc:creator>
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		<description><![CDATA[Weight gain as we hit middle-age becomes a larger and larger issue.  But you can fight off the menopausal binge.  Read more here.]]></description>
			<content:encoded><![CDATA[<p>To maintain a healthy weight, middle-aged women essentially have to work their  tails off, exercising 60 minutes a day. Seven days a <a href="http://poconowomentoday.com/wp-content/uploads/2010/03/1056593_measuring_tape.jpg"><img class="alignright size-full wp-image-344" title="1056593_measuring_tape" src="http://poconowomentoday.com/wp-content/uploads/2010/03/1056593_measuring_tape.jpg" alt="" width="300" height="169" /></a>week. For women who already  are overweight, “it may be too late,” the study ominously states.</p>
<p>Who has that kind of time and discipline? Many of the Orange County women I  spoke with acknowledged, shaking their heads, that putting on pounds probably is  inevitable for women (and a lot of men) as they age. But that didn’t stop them  from working as hard as they could to keep inevitability at bay.</p>
<p>For more information, <a href="http://healthyliving.freedomblogging.com/2010/03/25/women-fight-the-inevitable-weight-gain/18175/">click here</a></p>
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		<title>Planning an Event? 17 Ways to Bring Your Event to Life</title>
		<link>http://poconowomentoday.com/2010/03/planning-an-event-17-ways-to-bring-your-event-to-life/</link>
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		<pubDate>Wed, 31 Mar 2010 19:32:36 +0000</pubDate>
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		<category><![CDATA[event]]></category>
		<category><![CDATA[event planning]]></category>
		<category><![CDATA[parties]]></category>
		<category><![CDATA[product launch]]></category>
		<category><![CDATA[tips]]></category>

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		<description><![CDATA[The following seventeen tips will help you shape and enhance the atmosphere with the entertainment, decorations, and food you choose.]]></description>
			<content:encoded><![CDATA[<p><a href="http://poconowomentoday.com/wp-content/uploads/2010/03/1253971_blue_frosting_cupcake.jpg"><img class="alignleft size-full wp-image-341" title="1253971_blue_frosting_cupcake" src="http://poconowomentoday.com/wp-content/uploads/2010/03/1253971_blue_frosting_cupcake.jpg" alt="" width="201" height="300" /></a>One key to a successful special event is to seek out entertainment or  decorations that are unique and fun to spark conversation among guests. As you  begin envisioning your event, picture the mood you want the environment to  create. For example, determine whether you want to create a jubilant,  celebratory atmosphere or one that is more serious. The ambiance you aim for  depends a great deal upon the type of event you&#8217;re having. If it&#8217;s a product  launch where you want to create an aura of enthusiasm and excitement, you&#8217;ll  likely lean toward an exhilarating atmosphere. If you&#8217;re organizing an event for  your employees and their spouses, perhaps you want the mood to be somewhat  romantic.</p>
<p>Whatever you decide, the following seventeen tips will help you shape and  enhance the atmosphere with the entertainment, decorations, and food you choose.</p>
<p>Read more, <a href="http://www.businessknowhow.com/manage/eventtips.htm">click here</a></p>
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