This document discusses the launch of the new Nespresso coffee machine called U. U is designed to be simple, modular and adaptable to different lifestyles. It has a curved, flexible form that can change shapes to fit different spaces. Some key features include a tactile interface that remembers drink sizes, an adjustable water tank that slides around, and quick heating of 25 seconds. U aims to make the coffee experience as simple and convenient as possible while still delivering high quality espresso drinks. It represents Nespresso's continued goal of enabling perfect coffee at home through innovative machine design.
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It is a privilege to present our annual report to you. We have had another incredible year of Change Agent Magic - contributing our special puzzle piece to crime prevention and diversion in our beautiful South Africa.
It moves my soul to experience how those we journey with allow themselves the experience of awakening to more of themselves and a deeper sense of purpose. I often say to our students:
>>Do not underestimate the ripple of your awakening<<
We experience its heartwarming impact on how we live and (un)learn together. A living and (un)learning that is authentic and kind… that is generous… that is honest and transparent… that stretches and encourages… that heals our wounds and edits our old stories. It is a living and (un)learning that allows the student their own unique path… also the tough patches! There is nothing more liberating than >>walking the plank<< of a perception!
Come with me. Experience the unique unfolding of a Change Agent Journey. Students awakening to their inner coach, healer and guide and firing up their entrepreneurial spirit all while assisting and guiding others to do the same.
In Gratitude
Karina Andersen
Founder | SmilingOne
Nelson Mandela is the best example I know of an Emotionally Intelligent Leader.
The 4 Core Skills of Emotional Intelligence are
1. Self-Awareness
2. Social Awareness
3. Self Management
4. Relationship Management
Their responses made me think about how often we put limits on ourselves...
Seemingly ordinary people in ordinary positions are impacting our world right now. And YOU can be one of them!
Priya Shah Match Maker best marriage bureau in mumbai, jain marriage bureau in mumbai, marwari marriage bureau in mumbai, marriage bureau in delhi, NRI marriage bureau, match making, match maker, Priya Shah.
It is a privilege to present our annual report to you. We have had another incredible year of Change Agent Magic - contributing our special puzzle piece to crime prevention and diversion in our beautiful South Africa.
It moves my soul to experience how those we journey with allow themselves the experience of awakening to more of themselves and a deeper sense of purpose. I often say to our students:
>>Do not underestimate the ripple of your awakening<<
We experience its heartwarming impact on how we live and (un)learn together. A living and (un)learning that is authentic and kind… that is generous… that is honest and transparent… that stretches and encourages… that heals our wounds and edits our old stories. It is a living and (un)learning that allows the student their own unique path… also the tough patches! There is nothing more liberating than >>walking the plank<< of a perception!
Come with me. Experience the unique unfolding of a Change Agent Journey. Students awakening to their inner coach, healer and guide and firing up their entrepreneurial spirit all while assisting and guiding others to do the same.
In Gratitude
Karina Andersen
Founder | SmilingOne
Nelson Mandela is the best example I know of an Emotionally Intelligent Leader.
The 4 Core Skills of Emotional Intelligence are
1. Self-Awareness
2. Social Awareness
3. Self Management
4. Relationship Management
Their responses made me think about how often we put limits on ourselves...
Seemingly ordinary people in ordinary positions are impacting our world right now. And YOU can be one of them!
Heartfulness Magazine - November 2020 (Volume 5, Issue 11)heartfulness
With the pandemic not yet over, this month we look at “Rebuilding the Future.” Daaji shares some tips on how to become the best version of ourselves, IchakAdizes explores perfection, Barbara Bush continues with her vision of communities for health, and Audrey Lin walks the talk with kindness and compassion. Mariam and NivaalRehman champion education for girls, Michael Lewin recommends journal writing, Karishma Desai experiences a gratitude practice, Michael Richardson discusses the fabric of reality, and Aditi Saxena advocates the value of martial arts in self-mastery. Rounding out the positivity is ceramicist, Ira Chaudhari, a dynamic nonagenarian. As 2020 draws to an uncertain end, we celebrate a practical vision for the future.
We are on the look out for the next addition to our team here in Melbourne. As we work to pioneer Australia's first urban co-living development for sustainable living, we are seeking someone to come on board to help us lead our Weave event series. Have a look, see if it feels exciting and apply if you get the tug!
We are on the look out for the next addition to our team here in Melbourne. As we work to pioneer Australia's first urban co-living development for sustainable living, we are seeking someone to come on board to help us lead our Weave event series. Have a look, see if it feels exciting and apply if you get the tug!
We are on the look out for the next addition to our team here in Melbourne. As we work to pioneer Australia's first urban co-living development for sustainable living, we are seeking someone to come on board to help us reach more people through our space and Weave event series. Have a look, see if it feels exciting and apply if you get the tug!
We are on the look out for the next addition to our team here in Melbourne. As we work to pioneer Australia's first urban co-living development for sustainable living, we are seeking someone to come on board to help us reach more people and grow our community through the Weave event series. Have a look, see if it feels exciting and apply if you get the tug!
Heartfulness Magazine - October 2020 (Volume 5, Issue 10)heartfulness
This month we celebrate love in action. Daaji explores the universal principle of awakening love in others, Audrey Lin sees kindness as the key to resilience, Barbara Bush shares her vision of global health and equality, and Trevor Weltman uses meditation as a tool to improve lifestyle. Elizabeth Denley continues with a love letter to the future humanity, and Jay Timmapuram talks about loneliness. IchakAdizes explores ways to work with anger and fear, Ravi Venkatesan continues with the Heartful Strategist, and there is much more to enjoy.
I have created my Painted Picture as part of the Freedom Plan by Natalie Sisson. This is my vision on how my business and life will be by December 31st, 2017
Thank you for reading and sharing! You are now a part of my vision just by reading it :)
I hope it inspires you to create your own Painted Picture
1. bundanceA ISSUEW W W. I N S P I R AT I O N A LW O M E N C O N N E C T I N G . C O M
2. 2 INSPIRATIONAL WOMAN MAGAZINE
Letter from Inspirational Lisa
Welcome once again to our “abundance is-
sue” - our last issue of the year. 2012 has been
a great year for us, and we hope that we have
helped you become a better woman in certain
areas of your life. In this issue, we celebrate all
we have achieved and learnt in 2012.
I believe it is important to take stock and see
what you actually have rather than what you do
not. I believe it will make you appreciate who
you are versus who you could have become. I
am sure that we have all gained something in
2012, that we have progressed in certain areas
of our lives. OK, maybe not all areas, but those
in which you have progressed deserve very
much to be celebrated one by one. So often we
put things into a bracket; hence we see them
as one thing rather than list them individually.
So if you may allow me - I want to challenge
you to list all you have received and gained
this year. It does not matter how small or big
each item is as long as it has made you a better
woman - then it deserves to be on that list.
I am really glad to have you as one of our read-
ers. Because of you I have become a better
woman. Because of you I wake up everyday
with a smile on my face and am ready to inspire
you. I do this everyday (as you all know) via our
Facebook page.
If we have helped you in any way, ladies,
please share our magazine with other ladies.
Our content is positive and I believe we can
help many more women that you know. So as
we celebrate 2012 and look forward to 2013, I
know you know at least one other woman who
can learn and develop via Inspirational Woman
Magazine. Please introduce her to us.
I will take this opportunity to wish you all a
“merry Christmas,” and may you really take
time to sit down and write down what specifi-
cally you want to achieve in 2013 - including
what you are going to do to support another
woman around you.
You inspire me and I love to inspire you. This is
my purpose and you are a part of it. Thank you
very much and from the bottom of my heart - I
really appreciate you.
Yours inspiring always.
Lisa – Editor in Chief
Like us on Facebook
Follow us on Twitter
Connect with us on LinkedIn
Follow us on Pinterest
Visit our website.
Let’s
connect!
3. November/December 2012
contentsNOVEMBER/DECEMBER 2012
ON ABUNDANCE
17 Abundance
19 5 Keys to Living Abundantly
21 Sharing the Abundance
INSPIRING WOMAN
24 On the Cover - Janét Aizenstros
BETTER YOURSELF
28 Attracting Abundance
30 A Coach for You
34 Women of Worth
FASHION
35 Profile - N’Kya Designs
38 Photos
50 Make-up - Appreciate Yourself
53 Style - What About Your Closet’s
Abundance?
FINANCE
56 Abundance - A Journey Through
History
61 Common Cent$ - Living Large by
Giving Large
REAL LIFE STORIES
64 Appreciating the Abundance
66 My Dream, My Wish
67 Giving Back
IN THIS ISSUE
02 Letter from Inspirational Lisa
08 Editor’s Picks
16 Giveaway
22 Quotes
69 Home Cooking
4. We are working with
Women from around the world are coming to-
gether through The International Women’s Lead-
ership Association to create meaningful relation-
ships and resources. As women are called upon
to take lead positions at home, in the workplace
and in the community, the need for women to
come together has never been greater, the op-
portunity has never been brighter,.
FREE REGISTRATION opens doors to other women
of leadership who care as much about your per-
sonal and professional development as they do
their own.
Our purpose is simple. We bring together women
of all ages and nationalities to help celebrate dif-
ferent cultures, expand our viewpoints and build
friendships. With over 700 members representing
almost 70 different nationalities, ZIWA is dynam-
ic, very international and most importantly fun!
The National Association of Christian Women
Entrepreneurs (NACWE) is committed to shar-
ing its connections, resources, and knowledge
with an entrepreneurial tribe of women leaders
and visionary thinkers. The National Association
of Christian Women Entrepreneurs was born out
of a passion to connect women who are ready to
create, collaborate, and contribute to changing
the world. We gather people and ideas together
through online content, tele-courses, individual/
group coaching and retreats.
NACWE Membership is open to women entre-
preneurs, small business owners, and others
who have the desire to launch their entrepreneur-
ial venture.
Founded in 1931, the Club is a not-for-profit
volunteer-run organization dedicated to providing
opportunities for friendship and personal devel-
opment. We actively engage in philanthropic and
community service projects in the greater Zurich
region, throughout Switzerland and in the larger
global community.
5. November/December 2012
Meet the Editors
Lisa Mundembe-Chuma
EDITOR-IN-CHIEF
Lisa is an inspirational Speaker for Schools in the UK and the founder (Editor-in-Chief) of Inspira-
tional Woman Magazine. Lisa is keen to make a positive impact in the world and see women come
together in unity worldwide. Her desire is for women to realise that they are very important in their
own way, which makes us all unique. If we accept that, we can become a stronger community be-
cause we will have different things to offer. Lisa is very passionate about being a positive influence
and making a positive impact in people’s lives. She has made it her responsibility to better women’s
relationships by them helping each other, standing together, supporting each other and encourag-
ing them to complete each other rather than compete.
Ruthie Collins
CULTURE AND LIFESTYLE EDITOR
Ruthie is the Culture and Lifestyle Editor of Inspirational Woman Magazine and writes on feminism and
modern women, contemporary culture, travel and lifestyle. She also works as a business coach and
advisor for creative practitioners, helping creative ideas get the attention and development they de-
serve. she is creative director of the Cambridge Art Salon. www.cambridgeartsalon.org.uk.
Heather Nomi Tshuma
FASHION EDITOR
Heather’s spiritual and compassionate personality drives her to a sense of responsibility towards
the world and making it a better place. Almost two years ago she brought to life her dream, and
created with the help of others, the Feeling Human Association in Greece (co-founded with friend
Yvonne Bosnjak). Heather’s modeling past allowed her to bring awareness and funds to many so-
cial and medical issues as well as organizations through a series of cultural and fashion events. She
recently moved from Athens Greece and now lives in the UK where she’s working on various proj-
ects but also laying the groundwork for Feeling Human’s UK début. When she’s not running around
she fills her time with her great passion for photography, expressing her own creativity through her
lens. “The most beautiful things in the world cannot be seen or touched ...but are felt in the heart.”
(Helen Keller)
6. 6 INSPIRATIONAL WOMAN MAGAZINE
Laura Messenger
LAYOUT EDITOR AND PROOFREADER
A writer and researcher originally from the US, Laura has lived in Geneva, Switzerland since 2001
and splits her time between Geneva and the mountains of France’s Haute Savoie. In addition to her
work with Inspirational Woman, she has written on aspects of life abroad for JetSettlers and Hello
Switzerland magazines. Her interests include travel and dance. Find Laura on Twitter
@lauratheexpat and LinkedIn.
Martha Christie
WEBSITE CONTENT EDITOR
Martha is an experienced Social Media Manager, Project Manager and Virtual Assistant who sup-
ports businesses with productively achieving their goals through effective, efficient business ser-
vices. Prior to establishing Martha’s SOS (Savvy Online Solutions), Martha spent 15 years in office
management and PA roles. She has worked in finance, operations and quality within the UK, work-
ing with quality management systems extensively, maintaining ISO 9001:2008 standards, along with
enhancing several additional business skills to further develop the repertoire of services she is able
to offer her clients. Martha specialises in online administrative solutions. Her services are offered
with confidence to all her clients. Having worked alongside directors, business managers, entrepre-
neurs and corporate organisations, she is familiar with managing an increased workload and within
tight deadlines. www.marthassos.com.
A special Thank You to our Facebook Ambassador
Clare Reeves is 49, married and has 3 sons, aged 16, 11 and 7 years. She currently lives in Geneva, moving from the UK just
over a year ago. Having left friends and family behind she has learned how to welcome new friendships and connections,
giving her a fresh outlook on life. The move to Geneva has given their children freedom and space to explore and experience
a whole range of activites. For the last 20 years, Clare has worked in software design, mainly on user experience and inter-
face projects and feels fortunate to continue her work alongside bringing up her family.
Thank you, Clare for helping us inspire and empower women.
Clare Reeves
7.
8. 8 INSPIRATIONAL WOMAN MAGAZINE
Editor’s Picks
FOR FAMILY:
STADLER FORM
If any of you are looking for a humidifier, I strongly recommend the
Oskar Big. With winter here, I have been using the Oskar Big and
I must say I am very impressed - super impressed. It is amazingly
good. My family is looking forward to peaceful nights this winter and
I just had to recommend it.
Feel free to check it out - you will not be disappointed at all. Martin,
the founder of Stadler Form, is a good guy. He takes his time to
talk you through the product, how it works, etc. Great service too - I
must say.
I am super happy at the moment and ready for the winter.
http://www.stadlerform.ch/
9. November/December 2012
FOR KIDS:
GRIMM2
Do you have any young kids who like to play and do all sorts of things
on their chairs? If you have answered “yes” to all of that, then you will
love the Grimm2. I am talking from recent, amazing experience - I
got this chair set up in just ten minutes, yes - ten minutes... It had
just four screws and that was it. I was so happy to finally realise that
people are designing such products. The shape of the chair is what
makes my kids fight to sit on it every day - we have resorted to having
turns. They love it - it is spacious, solid frame and very comfortable.
If you are one of those people who want to set up things quickly,
this chair is for you. It is beautiful - not forgetting that when tipped or
turned, Grimm2 becomes a hut, tunnel, airplane, car seat and much
more – a rich source of inspiration for a child’s fantasy play.
http://www.momoll.com/
10. 10 INSPIRATIONAL WOMAN MAGAZINE
ALL THINGS SWISS:
ON
I have taken up running as a new hobby with the aim of running one
of the London charity marathons. Having made this decision, I had
to look for the most comfortable shoes to make this experience less
stressful, considering I own only one pair of trainers. I came across
On, a swiss running shoe company that is just great. I had the privi-
lege of trying their Cloudsurfer, and I must say they really do engi-
neer shoes. The feeling I get when I wear the shoes is amazing. The
front of the shoes has thin fabric, so that when you are running it lets
air in, which, in turn, reduces your sweating levels and prevents your
feet from swelling. I am so over the moon with my pair. If you are a
running person or you know someone who is, I can assure you - you
will not go wrong with a pair of On shoes.
http://www.on-running.com/
11. ALL THINGS SWISS:
U BY NESPRESSO
http://www.nespresso.com/
NESPRESSO LAUNCHES U: THE
COFFEE MACHINE THAT LIVES LIKE
YOU
U is the ultimate machine in simplicity,
modularity and purity
In its continuous quest to deliver the ultimate coffee
experience, Nespresso launches its latest machine
innovation U – bringing even more simplicity,
personalization and pure design to coffee lovers
around the world. The Nespresso story began 25
years ago with a simple but revolutionary idea: enable
anyone to create the perfect cup of espresso at home.
Today, Nespresso has made that idea even simpler by
developing U, the next generation machine that
shapes itself to suit you and your lifestyle. Offering
ultra-convenience, yet sophisticated technology, U has
been designed to suit modern life and its demands.
With clever, modular design, U can change its shape
to fit contemporary living spaces and interiors, while its
cutting edge technology delivers a perfect coffee, time
12. after time. A pleasure to use and display, U is the
machine for those who seek ultimate simplicity, the
highest quality coffee, and pure design.
With its curved, flexible form, U is the most modular
coffee machine to date, designed by Nespresso to
adapt to all lifestyles. On top of its sleek shape, U has
a tactile interface which memorises your favourite cup
length, removing the need to select it each time and
thanks to the pre-programmed Ristretto, Espresso and
Lungo sizes doesn’t require reprogramming. The first-
of-its kind, it has a rounded, adjustable water tank
which is able to seamlessly slide around, letting it
change shape to suit your interior layout. Working
around the user to make their life simpler, U’s neat cup
support, is also designed to fit long or short drinks – so
you can configure your machine depending on your
mood and your favourite coffee rituals.
U is the height of convenience, its minimal exterior
enclosing the latest technology. In addition to a quick
heat up time of 25 seconds, U features automatic
brewing, so your coffee begins the second you drop
your Nespresso capsule and effortlessly close its neat
slider. This same process creates an ideal coffee
extraction, delivering an optimum result as U stops
automatically when desired. Its immediate cut-off also
makes it one of the cleanest machines – stopping any
drips and automatically ejecting each capsule.
13. Alongside all its cutting-edge functionality, however,
users’ consciences can rest at ease as U possesses
the optimum energy profile for its class of machine. Its
body, meanwhile, is made from over 30% of recycled
materials (not in contact with food) while it
automatically switches to OFF mode after 9 minutes of
inactivity.
With U, simplicity is the ultimate sophistication in both
functionality and design, its minimalist, contemporary
look fitting neatly into any living space. Available in
four understated colours – Pure Cream, Pure Black,
Pure Grey and Pure Orange – U is smooth and
rounded with a sensorial soft-to-the touch finish and
elegant curved edges with the Nespresso signature
embossed on its sides. The pure lines of U and varied
shades let users express their style while
complementing their interior design.
To accompany the minimalist design of U, Nespresso
has for the first time created dedicated accessories -
echoing U’s adaptability, personalisable approach and
pure aesthetic. Reflecting these elements, one of the
range’s highlights is an innovative tray with two
adaptable magnetic dispensers, inspired by the shape
of the U machine. Applying U’s innovative thinking,
the smooth, rounded dispensers can be attached to
the sides of the U machine, changing its shape to fit
your interior. Each dispenser is magnetised, like U, so
it can be joined together to the machine’s sides, to
become an extension– while tailoring the machine’s
shape to suit the space required. The dispensers can
also be stacked on top of each other for a slimmer
storage solution while one contains neat
compartments for spoons and sugar. Adding to this
simplified approach, the collection is joined by a new
Totem capsule holder in glossy melamine, and a clear
Bonbonnière rocking capsule jar – letting you select
your preferred Grand Cru in an instant.
Alongside this, Nespresso is also introducing new
items to the iconic Glass Collection – the brand’s
original range which truly captures Nespresso’s
passion for quality and design. For milk-recipe lovers,
Nespresso has designed a new elegant Cappuccino
cup (c.a.160 ml) with a stylish bi-coloured black and
14. About Nestlé Nespresso SA
Nestlé Nespresso SA is the pioneer and reference for
highest-quality portioned premium coffee. Headquartered in
Lausanne, Switzerland, Nespresso operates in more than 50
countries and has more than 7 000 employees. In 2011, it
operated a global retail network of 270 exclusive boutiques.
For more information, visit the new Nestlé Nespresso
corporate website: www.nestle-nespresso.com.
Contact info
Weibel Communication AG, Seestrasse 17, CH-8702
Zollikon/Zürich
Tel.: 044-986 10 20, Fax: 044-986 10 21,
E-Mail: info@weibelcom.com
Nestlé Nespresso S.A., Schweizer Markt, Route du Lac 3,
CH-1094 Paudex
Tel.: 021-321 78 78, Fax: 021-321 78 00
Bonbonnière rocking capsule jar – letting you select
your preferred Grand Cru in an instant.
Alongside this, Nespresso is also introducing new
items to the iconic Glass Collection – the brand’s
original range which truly captures Nespresso’s
passion for quality and design. For milk-recipe lovers,
Nespresso has designed a new elegant Cappuccino
cup (c.a.160 ml) with a stylish bi-coloured black and
matt grey saucer. Also new, a Recipe glass (c.a. 350
ml) with a neat grip area, is available as a set of four
and is accompanied by a stainless steel Recipe
Spoon. Featuring transparent sides and clean-lined
simplicity, like U, the Collection effortlessly fits into a
lifestyle that demands both aesthetics and practicality.
Priced at CHF 179.-, U is available since Mid-
September 2012 in all Nespresso boutiques, on the
call-free number 0800 55 52 53, online on
www.nespresso.com, and at Nespresso trading
partners.
15. November/December 2012
FOR FOOD LOVERS:
INNVERI
http://www.innveri.com/
I do not know if you have the same issue at your home, but when I
cook, I never seem to get it right - I always cook more than my family
needs. Hence I am left with a lot of food, which my family would very
gladly eat again the next night, but the problem is that it is not always
fresh. Having gone through all my kids’ complaints of “why does
this food not taste like it did last night,” I was sure there is a solution
for keeping food fresh. I cannot get over it - it really does keep food
fresh. Imagine that! I have been using it daily, and I look at it and ask
myself why didn’t I find this years ago. I am telling you this is amaz-
ing. You have to try it for yourself to understand my excitement.
16. Giveaway
A Christmas Present from SWISS DIAMOND!
Grab the chance to win this
NONSTICK SAUTE PAN WITH LID.
All you have to do is SHARE this and tell us when
SWISS DIAMOND was founded. The winner will be
announced on the 1st of December 2012.
www.swissdiamond.ch
www.swissdiamond.us
Used by discerning home chefs around the world, Swiss Diamond’s PFOA-free
cookware features unsurpassed nonstick performance for healthy cooking and
easy clean-up. The patented coating is reinforced with real diamond crystals and
uses custom components, mixed in our factory in Switzerland, to create a best-in-
class nonstick surface.
17. November/December 2012
On Abundance
ABUNDANCE
b y l i l l i a n e y i s o n
As I take a walk through life,
I’ve come across people from
diverse backgrounds and cul-
tures, and it’s amazing how
everybody is busily working
towards a particular goal. I
kept wondering what they
hope to achieve from these
goals. The convergent point
– abundance! Regardless of
one’s profession, a lawyer or
a tomato seller will adhere
to his or her schedule for a
reason – that is, the source
of her income (or attaining
excess). Relenting in these
duties will mean the income
will be negatively affected. It
means that in order to main-
tain abundance, you have to
hold on tenaciously to what
gives birth to abundance
and, if possible, explore oth-
er means. Abundance is de-
sired by all regardless of life
circumstances because it
replaces scarcity with plen-
ty. It simply means to have
something in excess. As hu-
mans it feels good to have in
abundance because you be-
come more comfortable and
relaxed and your stress level,
too, is low, thus giving the
human body an atmosphere
conducive to function. In
most cases blood circulation,
body temperature and blood
pressure normalize because
the person is not under pres-
sure or worried because of a
particular need.
Abundance – I’ve been think-
ing…why do I have so many
shoes on my rack when my
next-door neighbor’s daugh-
ter Esi is barefoot? It’s been
ages since I wore the red
shoes, and oh, the black slip-
pers too…I don’t need them
anymore. The Biblical injunc-
tion immediately came to
mind: “…give and it will come
back to you…” Now I know
that the next junction you get
to after ABUNDANCE is GIV-
ING or SHARING. As sisters,
there is the need to give out
when we realize that we have
something in excess and our
brothers or sisters are lack-
ing. Maybe that’s not enough,
but it could still pass for the
first step on the solution col-
umn. OK, I still have to share
ideas with my neighbor if she
doesn’t know how to achieve
abundance. Esi couldn’t hide
her joy when I gave her some
pairs of shoes! She kept mod-
eling and dancing in those
shoes because stones and
thorns will not tickle her soles
anymore. I just had to heave
a sigh of FULFILLMENT as I
had just satisfied a need.
I just can’t stop staring at the
beautiful morning clouds that
swept away the darkness.
The birds are also chirping
with zeal as if to say, “We are
a living witness to the Cre-
ator’s awesomeness.” It is in-
“…why do I have so many
shoes on my rack when my
next-door neighbor’s daughter
Esi is barefoot?”
18. 18 INSPIRATIONAL WOMAN MAGAZINE
deed a new day! Let me quickly
get my bag and leave for the of-
fice. Knock, knock.
“Oh Esi, you are the one!” I ex-
claimed.
“I just want to THANK YOU for
the gift; I really APPRECIATE
them; Auntie, you are one of a
kind, those shoes are expensive
and I can’t hide my joy. I am
GRATEFUL.”
“OK, Esi, thanks for the compli-
ment; now, I know your taste so
we’ll talk later.”
We can deduce from the above
discussion that one of the im-
portant tools to apply in life is
appreciation or thanking people
for kind gestures. Motivation is a
psychological term that means
a certain stimulus arouses an
organism to seek a desired goal
and to elicit or sustain the goal-
directed behavior. It may be in-
trinsic; that is, focusing on what
goes on within the individual.
Or it may involve giving external
rewards for a particular action,
which is also referred to as ex-
trinsic motivation. Appreciating
a person goes a long way to re-
inforce or motivate the person
by letting the person know how
valuable he or she is.
Most “thank you” notes also
play a major role in strengthen-
ing relationships, as they create
a healthy rapport between the
donor and the beneficiary. In
this regard, the beneficiary re-
alizes that the donor has good
intentions and will try as much
as possible not to mar the rela-
tionship. At the end of the day
a peaceful society is achieved.
Lillian Eyison is an ardent
gender activist, a bilingual
project manager, a travel ex-
pert and the CEO of Zoe In-
ternational Travel and Tours.
She has honors in psychology
and French from the Univer-
sity of Ghana and Universite
de Caen, France. As a resilient
young lady who is in love with
issues affecting women and
girls in the society, she has to
her credit Zoe International,
a one-stop travel project in
which is embedded an “Afri-
can corner” (a gender project
where disadvantaged women
and girls are given non-formal
education by way of empower-
limiting their dependence on
men). She currently resides in
Accra, Ghana. You may visit
us at
www.facebook.com/zoeinter-
nationaltravelandtours.
No appreciation
is too small; the
thought behind it
is more valuable!
Appreciating a kind gesture
doesn’t only make the donor
feel good but it also gives both
parties feedback. The donor
realizes at that point that the
beneficiary loves that particu-
lar gesture and as a way of
reinforcement and ensuring a
healthy coexistence, he or she
will look for similar ways of sat-
isfying the beneficiary. It is at
this point that the beneficiary
will also realize how thoughtful
the donor is.
In conclusion, let’s vote for ap-
preciation because even the
Creator himself scolded the
nine lepers for being ungrateful.
No appreciation is too small;
the thought behind it is more
valuable!
19. November/December 2012
On Abundance
FIVE KEYS
TO LIVING
ABUNDANTLY
b y j u l i a b e r n a r d s
Many people don’t even consid-
er the possibility of abundance.
Thelawofscarcitysopermeates
culture that what many hope for
is to have “enough;” the luxury
of abundance seems beyond
reach. And it isn’t just economic
abundance that eludes us; it is
an abundance of love, beauty,
time, kindness, energy, etc. We
are indoctrinated with the idea
that there is only so much of
these to go around, and all we
can hope for is to have enough
to get by. But that isn’t true—
abundance is all around us and
can be ever-present in our lives,
if only we choose it.
Here is how:
1. Have an Attitude of Abundance.
Wayne Dyer said: “Abundance
is not something we acquire. It is
something we tune into.” Abun-
dance is all around us, but we
must “tune in.” A Zulu proverb
points out: “Abundance does
not spread; famine does.” In oth-
er words, abundance is already
all around us—it is the reality.
But scarcity can spread by the
mentality we choose. With an
attitude of abundance, we see
truly and fully what we have.
We focus on what is rather than
what is not.
2. Anticipate Abundance.
“The world is full of abundance
and opportunity,” said Ben
Sweetland, “ but far too many
people come to the fountain of
life with…a teaspoon instead of
a tankard. They expect little and
as a result they get little.” Having
your heart and mind ready and
open for abundance will invite
it in. Kathy Gates encouraged:
“You can’t predict, you can pre-
pare. Experience the power of
making decisions based on se-
curity instead of worry, readiness
instead of reluctance, abundance
instead of lack.” We can experi-
ence the power of abundance
when we anticipate abundance.
3. Appreciate Abundance.
Gratitude and abundance go
hand in hand. “Gratitude is the
open door to abundance.” Epi-
curus said: “Not what we have
but what we enjoy, constitutes
our abundance.” The more we
appreciate what is all around
us, the more abundantly we
will live. And with an appre-
ciative heart, we invite more
abundance. “Whatever we are
waiting for – peace of mind,
20. 20 INSPIRATIONAL WOMAN MAGAZINE
contentment, grace, the in-
ner awareness of simple abun-
dance – it will surely come to
us, but only when we are ready
to receive it with an open and
grateful heart,” said Sarah Ban
Breathnach.
4. Apply Abundance.
When you are tuned in to the
abundance in your life, you are
happy to share it, and you re-
joice in, rather than envy, oth-
ers’ abundance. Sharing will-
ingly is a powerful deterrent
to the mentality of scarcity. As
long as we have something to
share, we have an abundance.
Applying abundance means
putting the abundance in your
life to use. In the Bible we are
taught: “Give and it will be given
to you. A good measure, pressed
down, shaken together and run-
ning over…for with the measure
you use, it will be measured to
you.” When we use the measure
of abundance in blessing oth-
ers, we find that the abundance
has only multiplied. As Buddha
said: “Thousands of candles can
Julia Bernards has been
publishing poetry, essays and
articles for 16 years. Her poet-
ic insights into the world have
delighted old and young since
she was a little girl. Julia
writes as a form of self-expres-
sion and an avenue towards
truth and clarity. Lately, her
most important insights have
been about cultivating happi-
ness and peace within herself
and in her family. When she
Julia mothering her four chil-
dren, loving her husband, and
trying to bring order to her
household. You can reach her
at
julia.bernards@gmail.com
“Thousands of candles can
be lit from a single candle,
and the life of the candle will
not be shortened...”
be lit from a single candle, and
the life of the candle will not be
shortened. Happiness never de-
creases by being shared.”
5. Abide in Abundance.
Continuing in the attitude, an-
ticipation, appreciation and ap-
plication of abundance can be
a challenge, especially as the
mentality of scarcity rages like a
disease around us. Being con-
stantly mindful of the thoughts
you allow to permeate your life
is necessary to abide in abun-
dance. Edith Armstrong said it
well with this analogy: “I keep
the telephone of my mind open
to peace, harmony, health, love
and abundance. Then whenever
doubt, anxiety, or fear try to call
me, they keep getting a busy
signal and soon they’ll forget my
number.” When we actively fo-
cus our minds on abundance,
those thought patterns will be-
come part of us, and we will
abide in abundance.
I am grateful for so many
quotes on abundance found
on http://www.abundancetapestry.
com/. Many other words of wis-
dom regarding giving, sharing
and generosity can be found at
www.tentmaker.org.
21. November/December 2012
On Abundance
SHARING
THE
ABUNDANCE
Life is a gift. Thanks, God, for let-
ting me live until now. This year
(2012) is a special year to me. It
is full of happiness and abun-
dance from God. After suffering
and being slumped in 2010, I’m
not sure I will be happy like now.
After living in sadness, there
comes happiness. God lead me
to write again. In my writing ac-
tivity I find my passion. Bless-
ings come to my life. I get many
friends around the world. I am
confidently saying that I’m a
writer.
My view about life has changed.
I am wiser and more careful. My
career grows up. Working hard
and having a new view make it
easier for me to get everything:
friends, gifts, things and money.
My life is becoming more co-
lourful. I am happy with these
things.
All is abundance from God. I’m
sure about it. I’m very happy.
God loves me. If not, maybe I
could not get anything - even
one friend or one dollar. Or I
would still be slumped.
All abundance from God makes
me grateful for God. I am grate-
ful for my life. I fill my life by shar-
ing my abundance. I share my
knowledge with all my friends,
my students and the others.
I fill a need for writing training in
my school, my college, and my
community. I share my writing
knowledge with my students. I
want that someday one of my
b y f u a t u t t a q w i y a h e l - a d i b a
Oleh Fuatuttaqwiyah El-
Adiba is a teacher and writer
based in Aceh, Indonesia. You
can reach her through email at
taqwiyah@yahoo.co.id
students will become a good
writer. I’ll be proud of them.
I joined a women’s writing group,
a community for women. We
help each other in writing and
improve our knowledge. I invited
my friends to join my group, but
not all of them would.
Sharing and giving makes me
get more and more. I become
a rich woman, with things, love
and anything. I’m very happy
with them. I’m not worried my
future, because my life is happy,
fun, joyful and full of love.
Don’t be stingy with your life.
Share with others. You can get
more and more. I’ m sure.
22. 22 INSPIRATIONAL WOMAN MAGAZINE
Abundance Quotes
Doing what you love is
the cornerstone of having
abundance in your life.
WAYNE DYER
When you focus on being a
blessing, God makes sure
that you are always blessed
in abundance.
JOEL OSTEEN
Everything you need you
already have. You are
complete right now, you
are a whole, total person,
not an apprentice person
on the way to someplace
else. Your completeness
must be understood by
you and experienced in
your thoughts as your own
personal reality.
WAYNE DYER
Not what we have but what
we enjoy, constitutes our
abundance.
EPICURUS
The universe is full of
magical things patiently
waiting for our wits to grow
sharper.
EDEN PHILLPOTTS
There came into the world
an unlimited abundance
of everything people
need. But people need
everything except unlimited
abundance.
KAREL CAPEK
The world is full
of abundance and
opportunity, but far too
many people come to the
fountain of life with a sieve
instead of a tank car... a
teaspoon instead of a steam
shovel. They expect little
and as a result they get little.
BEN SWEETLAND
Be generous! Give to
those you love; give to
those who love you; give
to the fortunate; give to
the unfortunate - yes, give
especially to those you don’t
want to give. You will receive
abundance for your giving.
The more you give, the more
you will have!
W. CLEMENT STONE
The universe operates
through dynamic
exchange... giving and
receiving are different
aspects of the flow of energy
in the universe. And in our
willingness to give that
which we seek, we keep the
abundance of the universe
circulating in our lives.
DEEPAK CHOPRA
We already have so much
abundance. We truly do. We
need not search too far. It is
within. The reason we fail to
recognize this is because we
haven’t quite mastered the
art of being. For abundance
to prevail, we must have
love, gratitude, acceptance
and compassion.
JOHN WELWOOD
23. November/December 2012
Tina Yuliani lives in Central
Java, Indonesia and is Found-
er of Rumah Pintar Kembar,
a company that helps people
learn IT skills and English
language. She loves teach-
ing and building websites. In
2008, Tina was awarded the
Ganesha Prize by her campus,
Insitut Teknologi Bandung.
Visit her website at
www.rumahpintar-kembar.
com
When we give, we simply
make room for more to
come in. When we become
deeply, authentically
generous, it signals to our
abundant universe that
there is a conduit open to
receive and distribute. We
become part of the vital
natural system.
LENEDRA J. CAROLL
Let the magic happen. It’s
always there. Abundance
and love are always there.
Believe in the highest good.
There is a higher essence
to everything. The realm
you’re in has a heaviness
that mutes energy. You can
penetrate through it, no
matter how dark and heavy.
Sometimes it has nothing
to do with karma. Just don’t
forget to keep it open. Don’t
get too bogged down, don’t
limit the brightness. Reach
through the dark energy and
grab it. You might see the
smoke coming out of the
chimney and you’ll even see
the smoky sky. You need to
reach through the smoke
and bring the light to you.
Remember the possibilities
of something greater than
are right here. Be willing to
go to the lightness. Don’t
feed off what is not right in
the world.
KUAN YIN
24. 24 INSPIRATIONAL WOMAN MAGAZINE
IWM Give us your “elevator speech” –
a snapshot of who you are, what you
do for a living, and how we should
“know” you.
My name is Janét Aizenstros. I
am the Founder/CEO of Janét
Aizenstros Omni Media (also
known as JAOM). This media
company is dedicated to the
empowerment of women world-
wide. I created this company as
On the Cover
JANÉT
AIZENSTROS
a platform to provide women
with the necessary tools in busi-
ness to live exceptional lives.
Also, I am the mother of two
bouncing little boys who are
amazing. They make my heart
beat!! I love my life. I wake up
every day happy about my life.
IWM Please tell us more about Janét
Aizenstros Omni Media. Why did you
start and what are your future plans?
“...my goal: to
empower women
all over the world
by partnering with
other women.”
25. November/December 2012
I started JAOM to blend all my
passions together. I love all fac-
ets of media: print, radio, TV
and design. I wanted a com-
pany that was not traditional
and represented all of my pas-
sions...fashion, intellectualism,
love and lifestyle. My future
plans...well, I think for right now
I have built the core of my com-
pany, but I am looking forward
to build upon the foundation
that I laid. There are so many
facets to JAOM, such as Life
Masters Now Success Coach-
ing, Masters Now Wealth Man-
agement Group, Love Lifestyle
Media Group, Women’s Move-
ment Radio Network, Women’s
Movement Television Network,
Editorial M.O.M, Ténaj Creative
Nation, and our JAOM Media
Academy International.
Plus, there are three to five oth-
er companies that I will estab-
lish as well as charitable orga-
nizations in the next two to five
years. My team is constantly
expanding internationally; many
educational institutions locally
as well as internationally are
looking to partner with me for
internship and work placement
for many of their graduates that
have studied in media. I love
working with young people and
giving them opportunities to get
on-hands work experience. I re-
member being 21, trying to get
work experience. Luckily, I had
great job opportunities coming
out of school. I had the privilege
of working for great compa-
nies; many graduates don’t get
those opportunities, at least not
anymore. So through my JAOM
Media Academy International, I
have created these opportuni-
ties for graduates to tap into,
too. We do have limited spots,
but as my company grows, so
will the opportunities.
I am so excited about all the new
and exciting events upcoming
in the new year. So, everyone
will have to stay tuned.
IWM What are your personal mottos,
what keeps you going daily?
“Live freely, love
honestly, give
sincerely.”
Live freely, love honestly, give
sincerely. My children keep me
going; they are my inspiration.
The love that I receive from
women all around the world
keeps me aspiring to be all I
can be. I want to leave an ex-
ample for women that you can
have it all and do it well. I am a
mother…my time has not been
my own for six years now. I feel
privileged that I have the oppor-
tunity to shape these little men
into being great. That will be my
greatest accomplishment in my
entire life. I love my business,
but my children are phenom-
enal.
IWM What advice would you give to
other women who have dreams but
are not sure or want to start busi-
nesses but are finding it difficult?
Follow your passions. Be true
to yourself and do not try to
emulate anyone else. You will
26. 26 INSPIRATIONAL WOMAN MAGAZINE
be happier when you build a
business around your passions
and desires. While building my
business I unsubscribed even
from my mentors and shut my-
self out from media (I know it’s
funny, I have a media company,
but I don’t engage print, radio
or TV formats at all). I knew if
I were going to take on such a
company that I was going to
have to make it uniquely me.
It doesn’t mean there are not
women out there who are do-
ing similar things! Trust me, we
have all interacted. I will tell you
this: The women who do similar
things such as me have reached
out to me and have embraced
me. Also, I will tell the women
“The universe
does not like
intentional
competitions or
copycats.”
reading this that the moment
you try to copy or emulate an-
other person’s brand, you cut
off the stream of divine inspira-
tion flowing to you. You always
want to keep that door open.
The universe does not like in-
tentional competitions or copy-
cats. I have seen women who
try to create brands around
someone else’s divine inspira-
tion, and it’s never successful
because it’s not unique to them.
They soon discover there is a lot
more work involved in building
what they’ve tried to copy and
soon give up. Also, I have seen
women connive to seek out in-
formation from another woman
so that they can launch a prod-
uct or service before another so
they could say they did it first.
SMH. I laugh, and my advice to
women who have experienced
this with other women is - Bless
them. Tell them thank you for
being underneath. Opera-
tive word. Underneath...’cause
that’s where they’ll stay. Howev-
er, I believe everything is every-
thing. What’s done has already
been done, but you should al-
low the universe to give you di-
vine inspiration.
IWM What are your takes/views on
‘unity amongst women’ because as
a magazine this is what we stand
for?
Well, the motto for my Edito-
rial M.O.M Magazine is to live
to aspire, strive to empower,
join to unite. This motto is the
same on Moms Movement Ra-
dio Show featured on WMRN.
I love women, and I think it is
time for us to destroy this de-
cisive spirit of competitiveness
and become collaborative.
Women all over the world need
to take this vision and embrace
27. November/December 2012
each other for real, not just say-
ing it but living it.
IWM Can you tell us about your re-
lationship with other women in your
life - business partners, girlfriends,
sisters, mother, grandmother?
I am blessed to have excep-
tional relationships with wom-
en. Some of my friendships are
over 20+ years. In my opinion,
it’s pretty impressive to have
friendships of almost 25 years
and being only 32 years old. My
grandparents have all evolved
on. My mother is great. She in-
spires me with the strength she
displays daily.
IWM Have these relationships above
positively impacted you at all?
These women give me strength.
I see how they continually take
each day at a time. I love the
fact they come to me with sto-
ries that constantly ask me for
help.
All of these relationships have
been positive, even with any
negative aspects that have
arisen.
IWM What are the most rewarding
thing you have done for other wom-
en?
I don’t really like talking about
things I have done for women.
I feel if you give from the heart,
that’s all that matters. I don’t
need to talk about it. It’s not just
about giving tangible things...
more importantly, it’s about giv-
ing of oneself. If you ask my
friends or the people in my life
that are closest to me, they
know me and they know what
I have done for them and how I
have been there for them.
IWM What has been the best piece of
advice you have been given?
Be myself. It’s actually what has
helped enhance my brand. It’s
what has made I am...Janét an
award-winning blog.
IWM Besides your daily work, what
else are you passionate about?
I am passionate about music.
Most people don’t know is that
I am a classically trained singer.
I have been singing for most of
my life. However, I know what
my lane is. I am doing exactly
what I was called to do, and I
can see that more clearly now
than ever before.
IWM What question should I have
asked, that I didn’t? (This is your op-
portunity to answer the question no
one ever asks!)
The question I would love loved
for you to ask is, what is my goal
on how large I want to take this
movement? I love to see JAOM
200M strong. That is my goal:
to empower women all over the
world by partnering with other
women. Who have powerful
movements that really want a
platform that they can propel
themselves from.
28. 28 INSPIRATIONAL WOMAN MAGAZINE
Better Yourself
ATTRACTING
ABUNDANCE
b y a n d r i e k a j . a u s t i n
Life is full of abundance. If you
look closely, you too will agree.
From the unlimited amount of
breaths we’re able to take each
day to the amazing grace and
provision of food, clothes, safe-
ty, and security that is evident in
our lives. To live in abundance
means that we have access to
a very large quantity (plenty) of
something. Wealth and over-
flow also describe having more
than what is needed in our lives.
Abundance starts in the mind. It
is a mindset, and there are ways
of attracting it to you.
Attracting abundance to your
life means knowing when you
have more than enough of what
is needed. When you operate in
an abundant lifestyle, you are
then able to give more to oth-
ers around you. Take security in
knowing that you are well tak-
en care of and are now able to
share in this joy with those you
love. Sharing in knowledge, re-
sources, and understanding is
all living abundantly blessed.
Deciding that you can now give
to others out of what you have
too much of is the sharing of re-
sources.
We must appreciate who we
are in our abundance as wom-
en, mothers, sisters, daugh-
ters, wives, aunts, cousins, and
friends. We are the embodiment
of abundance. Our wombs pro-
duce the abundance of life.
With so much going on around
us, we tend to not to focus on
things like this. We often miss
our chance of embracing the
abundance and overflow that is
called life. Stop, look, and lis-
ten to what you have achieved
in the last 365 days alone and
decide to be thankful.
We can use the following tips
and tidbits of helpful informa-
tion to show how thankful we
are for what we have while liv-
ing in the abundance and over-
flow of life:
1. Keep a journal of
things that you are
grateful for.
Try to list at least five things
(no matter how small) that
bring you the most joy.
2. Reflect back on this
exact date one year
ago.
Take note on what you had
(or didn’t have) and how
today is different for you.
Try to focus on the good.
3. Take a look around
you.
Realize that there could be
someone close to you who
struggles with something
29. November/December 2012
Andrieka J. Austin is
founder/facilitator of Journey
Girl, LLC (www.JourneyGirl.
org), which offers personal
and professional develop-
ment workshops for girls and
women and specializes in
female self-emPOWERment
training and programming.
She serves as a consultant to
girl- and women-based groups
and organizations on topics
such as healthy communica-
tion, self-esteem, positive rela-
tionships, leadership develop-
ment, healthy relationships
and more. She trains women
business leaders on leveraging
outreach methods to introduce
brand awareness to the mar-
ketplace as a budding social
enterprise. Connect with her
online at facebook.com/jour-
neygirlatlanta and on twitter:
@journeygirlatl
far worse than you could
ever imagine. Pay attention
to how she is dealing with
the pain, and realize how
good you’ve got it.
4. Remember to stop
and say, “Thank you.”
Take the time to reflect on
the things that you have ac-
complished (realize that you
did not do it on your own).
Give thanks. Show grati-
tude.
5. Make a commitment
to show your thankful-
ness by having an atti-
tude of gratitude.
Asmile,ahug,orsomesmall
display of affection is a re-
flection of an abundance of
love, joy and peace. Some-
one would be grateful to re-
ceive this.
I love the Bible story that quotes
“…for there is a sound of abun-
dance of rain.” (1st Kings 18:41).
It shows that when we ask, re-
ceive, and share, an abundance
of anything is within our reach.
Nomatterwhatlifebrings,weare
abundantly blessed. Wouldn’t
you agree? Let’s seek new ar-
eas of abundance in our lives.
Whether it’s physical things or
feelings, we can always enjoy
an abundance of that one thing.
We can also learn to share and
give once we have more than
what we could possibly use by
telling and sharing with others.
Now, let’s relax and allow the
abundance to flow in each area
of our lives.
30. 30 INSPIRATIONAL WOMAN MAGAZINE
We understand how tough and time-
consuming it can be to look for a
professional, qualified coach so our
team here at Inspirational Woman
Magazine have done the work for you.
Feel free to get in touch with any of
them—they would love to help and
support you.
CARMEN WYLD
Life Coach and Counsellor - Aus-
tralia
Carmen is a professional coun-
sellor and life coach. She holds
a Bachelor Degree in Counsel-
ling and Psychology, a Masters
in Education and a Diploma of
Professional Counselling. Car-
men has been helping people
improve their lives for over 20
years through different modali-
ties including Reiki, meditation,
counselling, life coaching, pub-
lic speaking and workshops.
Her unique style is authentic,
refreshing and uplifting which
inspires others to explore their
inner workings through the inte-
gration of counselling theories
and life coaching techniques
with ancient spiritual truths.
As a dedicated lifelong learner,
Carmen believes that all per-
sonal development begins with
seeking knowledge of self. Sup-
port for your inner journey may
be cognitive and behavioural
therapy, person-centred ther-
apy, the life coaching GROW
model, guidance in exploring
core beliefs and thought pat-
terns, journalling, meditation,
assistance to realise energy
patterns, spiritual principles and
meditation. After your unique
consultation you will have clar-
ity in life’s issues and feel in-
spired and motivated to make
A COACH
FOR YOU
Better Yourself
dynamic changes that will suc-
cessfully change your life.
Carmen is excited to support
people in living their most au-
thentic and fulfilled life and cre-
ating a life they love! As author
of the book “Heal the Planet
from Within” she is passionate
to assist people to improve their
lives because, she believes, this
has a higher purpose of healing
the planet.
Referred to as a dynamo by her
friends, she is dedicated to her
own personal and professional
development. She is a lifetime
student of the healing arts in-
cluding spiritual healing, chi
gong, meditation, yoga, affir-
mations and visualisation. She
was born in Ontario, Canada
and now resides in Queensland,
Australia.
Feel inspired to book Carmen
for a coaching session either in
person on the Sunshine Coast,
Queensland, Australia or online
via Skype carmen.wyld, Phone:
0439 673 854 or www.carmen-
wyld.com. Also, follow on Twit-
ter @carmenwyld or her Face-
book page: Heal the Planet
from Within or read her blog
www.improveyourlifewithpassion.
blogspot.com.au.
“Realise your inner awesome-
ness, get excited about life and
radiate your brilliance into the
world!”
Phone: 0439 673 854
Web:
www.improveyourlifewithpassion.
blogspot.com.au.
Twitter: @carmenwyld
31. November/December 2012
LORRAINE FERNANDES
Trainer & Coach - UK
Lorraine is an International
Sales and Business Growth
Trainer & Coach for Women
Business Owners, with over
15 years experience of help-
ing businesses accelerate their
sales. She is the Founder of The
Fernandes Group which is rec-
ognized by many as offering the
most comprehensive support
to Women in Business in un-
covering hidden profits, remov-
ing barriers to growth and help-
ing women more than double
their sales and profits. Prior to
owning The Fernandes Group
Lorraine served an Interna-
tional recruitment organisation
where she generated £750,000
worth of sales within 4 months
which was over a 600% growth
in sales where she then trained
sales managers and their teams
excel in business development.
Lorraine’s professional Train-
ing as a Neuro-Linguistic Pro-
gramming practitioner, Certified
Life Coach and Dale Carnegie
Sales Advantage Graduate en-
able Women Business Owners
to step into their own personal
power to produce sustainable
growth - which often results in
double digit increases in sales
and profits, along with more
free time to enjoy life to the full.
Lorraine’s purpose is to help
women business leaders unlock
their abundance and achieve a
deepened level of personal ful-
filment. She is passionate about
serving women business own-
ers who are committed to cre-
ating value and making a differ-
ence in people’s lives. Lorraine’s
profound experience with the
power of Universal Law which
rapidly created quantum leaps
in both business and person-
al arenas are what she shares
with her clients and by blending
Universal Principles with Stra-
tegic Business Building Tools
her clients are able to create a
business that thrives.
Lorraine now leads seminars,
workshops, virtual events, re-
treats and speaks all over the
world, supporting Women in
Business. Lorraine has an Inner
Ring of private coaching clients
as well as a membership pro-
gram offering world class train-
ing and mentoring specifically
tailored to assist you in building
your wealth in business while
maintaining your flow. Lorraine
empowers you with over 15
powerful proven strategies for
making a sustainable and en-
joyable profit in your business,
whatever stage you are at.
Lorraine lives by Exmouth
Beach in Devon with her won-
derful husband and 2 boys who
are under 5 years old, she en-
joys a balanced life and calls
her work her play.
Access Free Profit Accelerator
Blueprint here:
www.lorrainefernandes.com
Web: www.lorrainefernandes.com
Emai: info@ lorrainefernandes.com
Twitter: @enlightenedexp
32. 32 INSPIRATIONAL WOMAN MAGAZINE
LUZ GARCIA-PENNOCK
Personal and Business
Development Coach - USA
Body, Mind and Spirit Wink at
Life Purpose and Labor of Love
I specialize in working with you
to identify your life (body, mind
and spirit) and career situation,
dig, and chisel to create your
next chapters. You own and
call your passions, strengths
and expertise to bring clarity,
carve and we work to strategize
your career to create a passion-
ate and abundant labor of love.
We also work to align you body,
mind and spirit practices as it
is foundational to a happy life
and successful career. To do
SARAH LOCHEAD-MACMILLAN
Business and Finance Coach -
New Zealand
Sarah is an accredited Business
mentor and banking finance
expert who uses her years of
experience and training knowl-
edge to bring dynamic and last-
so brings a total synergy in life
and career.
I am here to support you to
chisel and carve away to cre-
ate your voyage. Lace, polka
dots and ribbons are whimsical
to me. I wear my heart on my
sleeve and my wit on my heart. I
am passionate and have a huge
amount of conviction about
what I am to do in this earth
during my journey here.
Each of us get to chisel away
to carve our stories; no mat-
ter what circumstances life has
given us out of our control or to
reinvent from ones in our con-
trol.
Pura Vida!
Life & Career Strategist, MBA and
Bachelor in Nutritional Science -
Etiwanda, CA in Southern, CA Unit-
ed States
Phone: (909) 547-7674 (posh)
Web: www.lovelygalposh.com
Email: lovelygalposh@gmail.com
ing profitable growth to busi-
nesses around the world.
Her ability to increase profit
through improved systems,
processes and goal setting is
well known throughout New
Zealand.
Sarah mentors her clients and
teaches them the skills to con-
tinue to make business success
for themselves and achieve
their goals. She delivers agreed
action plans and helps each cli-
ent keep on track to achieving
heir goals.
Sarah is keenly interested in
the growth of all businesses
33. November/December 2012
TAMMY FUREY
Parent Coach - Switzerland
Are you a parent who is expe-
riencing stress, anxiety and
challenges, but who wants a
peaceful, rewarding, loving re-
lationship with your child/ren
that feels good? Being a par-
ent is so much different to what
we thought it would be, isn’t it?
There can be wonderful days,
when you and your child are
totally in synch. Then there are
the bad days: when they don’t
seem to listen; when the frus-
tration builds up; when nothing
ever seems to work and when,
quite frankly, you are exhaust-
ed.
The first piece of news is that
there will always be good days
and bad days. BUT the good
news is that, even if it is a bad
and helping them contribute to
the communities they trade in
through increased employment
opportunities and stable busi-
ness practices. She has spe-
cialist knowledge in business
survival, developing the unique
“Rescue me” package along-
side her colleague Karen Woller.
She has enormous talent in
business networking, speaking
and coaching on the subject.
After publishing her book “The
Naked networker” in 2009, this
method has now been brought
to businesses in several formats
so they can learn and enjoy
sustainable revenue producing
networks for themselves. Sar-
ah is also the chair of her local
business association, taking a
leadership role in the develop-
ment and success of her local
business and tourism commu-
nity and economy.
Web: www.waypointca.co.nz
Twitter: @WaypointCA
day, you will be able to shrug
your shoulders and still feel
calm and centred.
Wouldn’t it be amazing to reach
a place, as a parent, when that
extra special mess your child
has left you (soil from the potted
plants; teeny tiny scraps from
the latest art project; a ginger
bread trail of crumbs; or a to-
tally trashed bedroom) no lon-
ger phases you at all? Wouldn’t
that level of calm totally trans-
form your life? If this sounds like
you, get in touch at tammy@
fureycoaching.com so we can
set up a Skype call. Read free
parenting articles and find out
more about the work I do at:
www.fureycoaching.com
Web: www.fureycoaching.com
Email: tammy@fureycoaching.com
Twitter: @fureycoaching
34. 34 INSPIRATIONAL WOMAN MAGAZINE
WOMEN
OF WORTH
Meet Sandra, a Woman of Worth
(WOW) who has great passion
for inspiring and encourag-
ing women to have a heart to
please God. Together with her
husband, Pastor John, founder
of Redemption Song Ministries
in London, UK, Sandra enjoys
serving fellow Christian women
and reaching the unreached
with the love of Jesus Christ.
She desires to provide all wom-
en not only with a place to find
practical information, tips, and
help but, most importantly, to
be able to apply the wisdom of
God into a variety of issues they
face every day.
“I am here to give tips to help
women learn how to channel their
God-given gifts toward positive
Better Yourself
and lasting life changes. I will be
happy to share with you on any
topic and will address any ques-
tions you may have wanted bibli-
cal answers to according to the
infallible word of God but never
got the opportunity to ask.”
“Our Women of Worth (WOW)
motto is ‘To edify one another in
order to stay true to our name
and calling.’ Anything of Worth,
precious, honourable, valuable
and that WOWs its audience is
always well protected and trea-
sured, and that is who we should
be as women.”
I look forward to receiving your
questions.
INSPIRATIONAL WOMEN OF WORTH
inspirationalwomenofworth@gmail.com
35. November/December 2012
Fashion: profile
N’KYA
DESIGNS
For this issue I had the opportu-
nity to interview N’kya Designs,
a fashion house that takes its
ability to mix and match colours
toawholenewlevel.Thecolours
and designs are stunning, vivid,
and almost surreal. I hear you
ask, “How?” It’s because N’kya
Designs specializes in merging
traditional African prints with
modern hot couture designs.
N’kya Designs prides itself on
being able to create pieces that
are unexpected and exciting.
In interviewing the designer, I
learn the designer’s view of the
company’s hard work as well as
the hopeful pursuit of creating
such brilliance.
b y h e a t h e r n o m i t s h u m a
Heather N Tshuma Tell me a little
about N’kya Designs. Where
are you from, and where are
you based?
N’kya Designs N’kya Designs is a
label for the young and young
at heart. We specialise in merg-
ing two cultures to create an
explosion of unique style and
colour. N’kya combines the co-
lourful and self-expressive ap-
proach to life of the people in
West Africa with the contem-
porary forms of the western
world, thus creating a very ex-
pressive style that simultane-
ously embodies the bravery of
being yourself and the values
36. 36 INSPIRATIONAL WOMAN MAGAZINE
“People tend to think it’s all
about glitz and glamour! Haha,
we do get that in this industry,
but more importantly it’s a lot of
hard work and dedication.”
of tradition. N’kya was founded
and launched in London, UK in
2009 and relocated to Accra,
Ghana where the label is cur-
rently based.
HNT Where do you get your de-
sign inspiration to create these
unique pieces?
N’kya Designs I am inspired by
everything around me. Having
been brought up in both Lon-
don and Accra, there’s not an
end to the sources of inspira-
tion, be it the people, the plac-
es, the food, etc.
HNT Are there any designers that
you would compare yourself to
or that you admire?
N’kya Designs I wouldn’t say I com-
pare myself to any designer, as
we all have very different ways
of interpreting our inspiration. I
do have designers I admire from
both international and national
locations. Mai Atafo of Nigeria
is definitely on that list and so is
Roland Mouret for his feminine
cuts.
HNT What are your favourite pat-
terns [prints] to work with and
why?
N’kya Designs I use a lot of the wax
print that was first introduced to
the market decades ago. These
prints tend to be named and
are produced in a wide array of
colours. I used one print named
“Akyekyedieakye” (The back of
a tortoise) in my most recent col-
lection. The name just fit in well
with the inspiration for my col-
lection, which was the strength
of a woman...so I guess we can
say a woman’s strength is in-
tense as a tortoise’s shell!
HNT What is the most difficult
aspect of running your own la-
bel, for example, design, pro-
duction, sales, finance, and ad-
vertising?
N’kya Designs I have always had a
full-time job alongside running
the N’kya label. With my recent
relocation to Ghana, I am work-
ing full time on the family busi-
ness. It’s not been easy running
N’kya alongside a full-time job,
but because of my passion for
what I do and how much I en-
joy bringing ideas to life, I have
been able to maintain progress
with the label. Having a team of
people to help in different as-
pects of running the business
has been very helpful.
37. November/December 2012
Heather Nomi Tshuma
Heather’s spiritual and
compassionate personality
drives her to a sense of
responsibility towards the
world and making it a better
place. She created with the
help of others, the Feeling
Human Association in Greece
(co-founded with friend Yvonne
Bosnjak). Originally from
Athens Greece, she now lives in
the UK where she’s working on
various projects but also laying
the groundwork for Feeling
Human’s UK début. When
she’s not running around she
passion for photography,
expressing her own creativity
through her lens.
HNT What do you wish people
would understand about work-
ing in the fashion industry?
N’kya Designs People tend to think
it’s all about glitz and glamour!
Haha, we do get that in this in-
dustry, but more importantly it’s
a lot of hard work and dedica-
tion. You need to be one step
ahead of others in this industry,
so I do wish people would take
it easy on emerging designers if
their collections are not as well
put together as the established
designers. As a self-taught de-
signer, I know the struggles of
having to make things up as
you go along.
HNT Doyoutrytosendoutames-
sage or theme in your clothes?
N’kya Designs My collections in the
past have always had a theme; I
am not so sure they have told as
much of a story in comparison
to my new collection, “OBAA”.
This means “Woman” in the lo-
cal dialect, Twi, and the inspi-
ration behind it is the strength
of a woman and how that has
changed over the decades. The
collection is all about confi-
dence in all aspects of life.
HNT How are your clothes dif-
ferent from the other designers
and do you design for all body
sizes such as petite and plus
size?
N’kya Designs I have always be-
lieved all designers have their
own unique way of interpret-
ing their inspiration, so they all
produce pieces synonymous to
their label. N’kya usually focus-
es on chic casual pieces, and
all our pieces don’t just exude
quality but sassiness, sexiness
and style!
HNT Where do you see yourself
in the future?
N’kya Designs Ohhhh, I am always
lost as to what to say to this
question! :-D....I believe N’kya
has a lot of potential, so let’s
wait and see what happens!
N’kya Designs currently do all
their orders via email, and or-
ders are posted out worldwide.
Their website will be back up
and running in the next couple
of months, and they hope to
have retail space in Accra very
soon.
Facebook: N’kya Designs
Twitter: @nkyadesigns
Blog:
www.nkyadesigns.blogspot.com
Email: info@nkyadesigns.com
50. 50 INSPIRATIONAL WOMAN MAGAZINE
APPRECIATE
YOURSELF
b y d i o n i s s i a k o n s t a n t i -
n o u
It is very important to appreci-
ate who you are. Appreciate
your achievements as a wom-
an and start reminding yourself
how beautiful a lady you are.
You can do this by writing notes
posted in places you can’t avoid
seeing several times each day,
such as your workplace, fridge
and mirrors. Or put a bracelet
on your wrist!!!
When you don’t feel abundant
or good about yourself in your
everyday appearance, it means,
in beauty words, that you are
simply not in order. Have your
personal beauty case in order,
clean your sponges, makeup
tools and brushes, and throw
away all the expired cosmet-
ics that you have had for ages
in your case and can seriously
damage your health! With some
cotton and a cleansing solution,
clean your eyeshadow palettes.
Organize the stuff that you use
for your everyday makeup rou-
Fashion: make-up
tine. That will save you time and
will make the daily process eas-
ier and more fun.
Believe in yourself and treat
your body and face with ten-
derness and kindness. Avoid
some of the following beauty
mistakes that age you. Makeup
is an effective tool, but, used
incorrectly, it can backfire in an
unpleasant way. Learn to ap-
ply makeup in order to enhance
your most beautiful features
and avoid mistakes that can
age you.
Choosing the right foundation
is a tricky business, as a wrong
one can destroy your appear-
ance and make you look old-
er. Beware of both the texture
and the color. Look for a flaw-
less natural and invisible finish
foundation. Wearing too dark
of a foundation will age you.
Test it on your jawline and neck
51. November/December 2012
and never on the back on your
hand. Pick the color that blends
impeccably. Make sure that
texture suits your skin type per-
fectly, otherwise you’ll empha-
size lines and you’ll end up with
the “mask effect” look!!!!
Blemishes, pimples, and under-
eye dark circles are the main
skin issues that can make you
feel uncomfortable. Concealer
can be the most trustworthy so-
lution when in you are in need
of covering skin imperfections.
Caked on concealer might be-
come your worst nightmare, as
it can age you especially if you
apply in large quantities in the
eye area. Choose a light texture
and apply it using a fine brush.
Then blend it with your finger.
Do not underestimate the role of
the blush in your final makeup
result. A well-chosen blush ap-
plied correctly on your cheeks
instantly brightens up your skin
and gives a lifting effect to the
face.
Do not use too big a brush and
do not go too low and too close
to the jawline when applying
blush. This can lead to droopy-
looking skin and to an aging ef-
fect. Put blush onto the apples
of your cheekbones, using col-
ors that suit and flatter your skin
tone. Be thrifty with the product.
Powder is used to set the make-
up, to matify and to reduce
shine. Don’t over-exaggerate
52. 52 INSPIRATIONAL WOMAN MAGAZINE
with the product; otherwise you
will have dry-looking skin, and
it will accentuate fine lines. Ap-
ply wisely with moderation on
the nose and chin, where the
skin has a tendency to get oily.
If your skin is dry, don’t use too
much powder, as it will age you
by emphasizing wrinkles. Final-
ly, avoid the product under the
eyes, around the mouth, and on
expression lines and hairy areas
on your face.
For me, the most serious mis-
take that can dramatically age
women is over plucking eye-
brows. Besides adding years, it
can also cause damage to the
roots of the brows, and some
strands may never grow back.
Find a flattering eyebrow shape
for your face to frame your eyes.
If you want to keep a youthful
appearance, stay away from
too-thin brows!!!
Avoid dark lipstick shades, as
they make you look older than
Dionissia Konstantinou is
passionate about fashion make
up. She was born and lives in
Athens, Greece. She studied
Biomedical Sciences in the UK
and joined the Medical School
of Athens. In 2010, she gradu-
ated from a make-up school
and has since worked as a
professional make up artist.
Dionissia participates in many
fashion shows in Greece and
works with many fashion pho-
tographers. Email her at dioni-
sia@questor.gr
www.facebook.com/ Dionissia
Konstantinou.
Credits:
Photography and Retouching:
Mallil Kapoyannis
http://mallilkapoyannis.com
Model:
Isabella Stratigakis
Makeup Artist - Hair Styling:
Dionissia Konstantinou
you are. Try for softer hues, such
as light pink, beige, and natural
browns, that will create the il-
lusion of fuller lips. The lighter
hues capture the light and give
the essence of bigger volume
and plump the lips out, giving a
younger appearance.
Every woman wants to look
feminine and sophisticated and
makeup seems to be the help-
ing hand to achieve it!
So take into consideration
these useful tips and tricks that
will help you obtain a youthful
look and appreciate the abun-
dance your makeup provides! If
you feel abundant, spread the
word in the manner of sharing
and giving away what you got!!!!
53. November/December 2012
WHAT
ABOUT YOUR
CLOSET’S
ABUNDANCE?
b y v a s i a k o n t
My dear ladies,
It’s time to confess a big truth.
We all do have plenty of clothes
in our closets. Clothes that
we bought and are still on the
hangers because we have nev-
er worn them. Most of them are
the dresses or skirts or blous-
es, etc. that we fell in love with
in the store. But what happens
when we get back home? We
say, “Why did I buy that?” or
“Leave it in the closet because
I might need it someday.” Trust
me, that day will never come.
Every season (autumn-winter/
spring-summer), take a look at
what clothes you already have
and whether you want/need
them. First of all, focus on what
you feel confortable in and
keep it. There is no reason to fill
your closet with garments that
you don’t feel confortable in or
don’t suit you any more.
So you are in front of your clos-
et and you are starting...keep
it, leave it, keep it, leave it -
and on and on. I am quite sure
that in the end most of you will
have a number of ‘’I don’t want
them’’ clothes. And here comes
the good part. Do something
good for others. There are so
many people who don’t have
the ability to buy anything, such
as those who are homeless. All
The big key is to
buy clothes that
match what you
already have ...
that match your
own style
Fashion: style
these clothes that are ‘’useless’’
to you are so useful to them. So
why don’t you donate them? It
will free your closet and fill your
heart with kindness and love.
Let’s get back to your clos-
et. Now it’s time to focus on
what you need. Maybe you lost
weight and you need some new
clothes (we are more than hap-
py for you, so go girl!). Maybe
you want to feel brand new and
you’re starting from your look.
There are so many reasons for
a woman to buy new clothes.
That beautiful dress that you
couldn’t afford and you finally
can or the shirt that is a great
match with your pencil skirt
- whatever you want. Focus
on what you really need, buy
clothes that are useful for your
daily schedule, and stop think-
ing, “This one will be perfect if I
decide to go to that place...or if
I have to go to a wedding...or if
I will be able to buy that thing I
saw the other day and it would
match so well...!” When that
time comes, you’ll buy some-
thing else because you have
nothing (as you believe) to wear.
The big key is to buy clothes
that match what you already
have or, I better say, clothes
that match your own style and
54. 54 INSPIRATIONAL WOMAN MAGAZINE
fit perfectly to your body. If you
take that point of view, you’ll be
able to save money from not
buying the useless pieces but
rather spending it on the use-
ful ones. It’s really nice to have
a closet full of clothes, but isn’t
it much better to have a closet
full of clothes that you are really
wearing?
For a great look there is no need
for expensive clothes. Most of
us believe that we are in fashion
or we have the ultimate style if
our whole look is full of expen-
sive clothes. Wrong... A totally
55. November/December 2012
Vasia Kont was born in
Piraeus in 1989. Vasia’s love
for fashion began at a very
early age and then it became
a life dream. Her passion
and creativity for clothing
led her to study Costume
& Fashion Design and
Styling. At the age of 19, she
at Athens Fashion Week.
She is currently working as
a designer and a freelance
stylist. She gets inspired by
uncommon beauty.She wants
women to feel unique and
beautiful in her clothes.Her
motto is “Feel different for
being different.”
A totally
expensive look
can be more
“cheap’’ than
a really cheap
garment.
expensive look can be more
‘’cheap’’ than a really cheap
garment. You have to mix and
match the cheap with the ex-
pensive. There you have the
style and the perfect look. Then
add some accessories and
you’ll be gorgeous.
At the end of the day you’ll have
done something really nice by
donating, you’ll have freed your
closet from all the unnecessary
stuff, and maybe you’ll have
something new. But don’t forget
to be thankful for what you al-
ready have. For having a home
to sleep in and be protected,
for food in your fridge so you’re
not starving, for a job that pays
for all these things, for clothes
that help keep you warm in the
cold weather, for a family and
friends who love you and sup-
port you. Don’t forget that there
are so many people out there
who have none of these things,
yet they are thankful for having
a life even if it’s not the way they
want it to be.
I wish you to have abundance
in every single part of your life.
56. 56 INSPIRATIONAL WOMAN MAGAZINE
Finance
ABUNDANCE
- A JOURNEY
THROUGH
HISTORY
b y a n n e t t b l e c h s t e i n
“Abundance is about being rich,
with or without money” - Suze Orman
I like this quote from Suze, who
is a very famous finance expert
in the USA and has her own TV
show, The Suze Orman Show.
She tries to sum up what abun-
dance means. We often associ-
ate abundance with having lots
of money. But we also see and
know people who have lots of
money but are not happy, are
depressed, are not generous
and are outright mean.
Lao Tzu, who was a philoso-
pher in ancient China, already
knew this:
“Chase after money and secu-
rity and your heart will never un-
clench.
Care about other people’s ap-
proval and you will be their pris-
oner.
Do your work, then step back.
The only path to serenity.”
But how can we achieve being
rich without having lots of mon-
ey or chasing after it?
The late Anita Roddick, founder
of the Body Shop, added a new
dimension to this question:
“But if you can create an honor-
able livelihood, where you take
your skills and use them and you
earn a living from it, it gives you a
sense of freedom and allows you
to balance your life the way you
want.”
Abundance is the freedom to
balance your life the way you
feel is right for you. But often
we struggle with the guilt of
having abundance. We might
feel that we do not deserve it,
because we have not earned
or worked hard enough to have
abundance.
“No one can make you feel in-
ferior without your consent.” El-
eanor Roosevelt, the wife of
US President Franklin Delano
Roosevelt, spoke these words
some 70 years ago, when a
woman was still considered a
man’s possession.
Empowerment is the key word.
Feeling empowered around
your life and around your fi-
nances. It is important to feel
abundant when you spend, to
eliminate any feeling of fear and
lack about spending. Remem-
ber that feelings of fear attract
more things to be fearful about.
So treat money with respect:
Don’t throw it around or abuse
it, but do not give it too much
meaning either.
“The day, water, sun, moon, night
- I do not have to purchase these
things with money.”
This very basic observation
comes from Titus Maccius
Plautus, commonly known as
“Plautus,” who was a Roman
playwright of the Old Latin pe-
riod, circa 200 B.C.
57. November/December 2012
Annett Blechstein is a
Financial coach and the
founder of abcoaching.
She combines her passion
of coaching with her long
-
seminars targeted towards
women (however, men are
also welcome). The semi-
nars serve to demystify the
-
er women to make their own
www.abcoachinghk.com
What do you spend your money
on? Take stock of your current
financial situation by making a
list of what you own (your as-
sets) and what debts (liabilities)
you have. Assets are things that
give you income; liabilities are
things that cost you money.
Your total assets should be
more than your total liabilities. I
personally think you should not
have more than 30 percent in li-
abilities. Do not be not lured by
very low interest rates. Eventu-
ally they will go up again. And
then, will you have enough in-
come to pay the higher install-
ments or even to repay the
loan?
By now you know my opinion
about credit card debt: No, no,
no. Things you buy with credit
card debt cost you an average
of 113 percent more than you
paid for them!
Please also remember to de-
cline requests for money from
friends and family. Don’t give
cash; rather buy them what
they need: a new fridge, a car,
schoolbooks.
Next step: Look at your income
and your expenses. You should
earn more than you spend and
save at least ten percent of
your income. It is advisable to
have enough savings to cover
between 6 to 18 months of ex-
penses. This is a precaution for
an emergency. You don’t want
to uproot your family and take
your children out of school if
you have a serious accident or
you lose your job. And some-
times the insurance does not
pay immediately.
On the next page I have put to-
gether two spreadsheets: one
to assess your basic net worth
and another for your annual
budget. Please complete them
and see where your personal fi-
nances stand.
Do you have enough? Benjamin
Franklin, one of the founding fa-
thers of the United States, said,
“Who is rich? Someone who re-
alises that he has enough.”
Therefore, please take time out
and reflect on the words of Mar-
ian Wright Edelman, American
activist for the rights of children:
“So often we are depressed by
what remains to be done and
forget to be thankful for all that
has been done.”
Have gratitude for what you
have and you will open your
personal door to abundance.
58. 58 INSPIRATIONAL WOMAN MAGAZINE
Personal Net Worth
Assets Current Value
Short-‐term reserves Cheque account
Savings
Shares in stocks
Bonds
Pension funds
Unit trusts
Other reserves Life insurance
Money lent to friends
Property Home
Holiday home
Rental property
Investments Business partnership
Car
Home furnishings
Art, antiques
Collections
Jewellery
Total Assets $
Liabilities
Credit card balances
Mortgages on home, rental home
Car loans
Student loans
Loans for furniture, household items
Life insurance policy loans
Money borrowed from family/friends
Personal guarantee for a friend/family member
Outstanding taxes that you need to pay
Business loan
Others
Total Liabilities $
Total Net Worth (Total Assets minus Total Liabilities) $
59. November/December 2012
Annual Budget
Income Amount
Wages, salary
Commission, bonus
Dividends, interest
Pensions
Insurance payments
Rental income
Other sources
Total Income $
Expenses
Housing related Mortgage /rent payments
Rates, insurance, power, water, garbage collection, etc
Food
Children Tuition and childcare
Transportation Car payments, insurance, repairs, registration, petrol
Health Medical care/health insurance payments
Clothing/personal items
Credit card bills
Income tax payments
Other insurance
Entertainment Movies, music, ice cream
Gifts and donations
Gym membership/beauty treatments
Others Animals/vet costs, Books/magazines/gambling
Holidays/vacations
Total Expenses $
Available Income(Total Income minus Total Expenses) $
60. Dear friends,
Almost all books about “steps to financial freedom” tell you about the
dangers of credit card debt. Credit cards are easy to use. Credit card
companies love to make life easy for us, because they know that in
daily life we will forget and only repay the minimum. And then they
charge us a huge amount of interest: 20 percent per year and more.
Are you in a credit card debt trap? Do you want to get out?
I can help you.
ThefirstpersonthatcontactsLisawillreceiveafreeconsultation
withme. I am licensed by the SFC in Hong Kong, and everything that
we discuss stays private and confidential.
I encourage you to take up this opportunity.
Annett
annett@abcoachinghk.com
61. November/December 2012
LIVING
RGE
BY
GIVING
RGEb y e l c h o s t e w a r t
Most of us are influenced by the
lifestyle of the rich and famous.
We crave their brand- name
shoes, purses, suits, body size,
hair and dress styles, their nail
and their lip colour. But, like
anything based on lifestyle, we
are left wanting more. One of
the meaningful ways to join the
ranks of the rich and famous
is to imitate Melinda and Bill
Gates’ pledge to give. Along
with Warren Buffet they have
pledged to give more than half
of their wealth to philanthropy
or charitable causes during or
after their lifetimes and they
have already convinced an im-
pressive ‘A’ list of millionaires
and billionaires to agree to do
the same. Wouldn’t you like to
be that generous?
Of course I can hear the guf-
faws because mere mortals do
not have the millions or billions
of the Gates’, Buffets and their
recent recruits, Charles Bron-
fman, Peter Lewis, and Dan and
Jennifer Gilbert. Not having lots
of money has never stopped us
from trying to imitate their life-
styleinourownwaysosurelywe
can give based on our budget.
And some of us share what we
have in smaller, less publicized,
Finance: common cent$
ways by giving to the Salvation
Army bell ringer at Christmas-
time, tithing at our respective
place of worship, running for
the cure, or hosting a charity
bake sale. But how can ordinary
folks get the deep sense of sat-
isfaction of giving large sums of
money that can make a real dif-
ference to their favourite char-
ity? How can we build a wing
at our favourite hospital, erect a
badly needed community cen-
tre, provide a shelter for bat-
tered women, contribute large
sums to research in childhood
disease, Sickle Cell disease, or
Cancer research? The answer is
simple: by taking advantage of
the only two certainties: death
and taxes.
Charitable Gifting is the practice
of giving large sums of money
to registered charities either in
kind – donating an asset (par-
ticularly when its market value
has grown significantly higher
than the purchase price), or by
using the proceeds of a life in-
surance policy. A trust is set up
to reduce the donor’s taxes im-
mediately allowing the donor to
“leverage” the donation. When
life insurance is used the value
of the policy is inherited by the
62. 62 INSPIRATIONAL WOMAN MAGAZINE
Elcho Stewart holds a de-
gree in Commerce from Con-
cordia University, Canada. In
1988 she started her career as
a Financial Security Advisor
with a major Canadian life
insurance company. She be-
came an Independent Broker
in 1995 and is the managing
partner at Weblife Financial.
She is licensed to sell invest-
ment products as well as life,
for some of Canada’s most
for several publications in
Canada and is the Founder
and President of the Network
of Black Business and Profes-
sional Women.
Charity of Choice and is usually
much greater than the amount
that was donated in the first
place because total insurance
premiums paid is far less than
the death benefit. Most chari-
ties are set up to receive such
“gifts” and it is a wonder that
more of us do not take advan-
tage of the opportunity to make
our giving count. Whichever of
the two routes (or variations of
them that) you choose to go
with, you will need the service
of your tax accountant and your
financial security advisor to as-
sist you.
What the Gates’ and Buffets
have demonstrated is that living
large includes living generously.
What we will learn as we inves-
tigate charitable gifting is that in
giving we gain abundantly.
“...living large
includes living
generously.”
64. 64 INSPIRATIONAL WOMAN MAGAZINE
Real Life Stories
APPRECIATING
THE
ABUNDANCE
b y a n g e l a s c h a e f e r s
This past year has been filled
with challenges, changes and
realizations. All of them, of
course, I had not expected.
Perhaps like me, you do not ex-
pect these things that are really
part of life happening, but not
what we are prepared for. Some
of the past year has included
exciting, happy things and ex-
periences and some have been
sad, unsettling and difficult to
accept. When I look back at my
life, I realize that this really is
how life works - ups and downs
and a regular ebbing and flow-
ing of good and not so good.
What I learned this past year is
1) to accept that things change,
sometimes more often then I
like and 2) that I can get through
the ups and downs much easi-
er when I am grounded in grati-
tude. I have intentionally trained
myself to be thankful in the
moment, not just for a circum-
stance or a person and not in
an overall sense. I have learned
to be thankful for what I have,
literally right now, in front of me.
Discovering all the things I have
to be thankful for in this mo-
ment was powerful! It showed
me the abundance in my life.
It taught me that even though
there are things I want, need or
hope for, I am still living a life
of abundance. It taught me that
despite the challenges, espe-
cially the ones that are the most
painful and out of my control, I
have plenty to be grateful for,
which equals abundance.
I have often told others, and re-
minded myself, that whatever is
happening right now could very
well be worse. I know at times
we all think whatever we are
facing and dealing with could
not get any worse. It feels so
painful, it feels impossible, it
feels hopeless. Maybe it is per-
sonal, health, professional or fi-
nancial issues that are so over-
whelming that we feel hopeless,
trapped, and worse, unable to
move forward. Yet if you think
about it, we probably are not
homeless, living in a war zone,
being enslaved, going without
food and water and more. In-
deed, whatever we face could
be worse on so many levels.
Please know I am not dismiss-
ing whatever your hardship is; it
is simply a truth that has helped
me and others to better accept
our own challenges...and to be
grateful for the abundance (the
good things) in our lives.
Compared to many people,
I live a life of abundance. The
65. November/December 2012
What would happen
if you shifted your
focus each day to
the good things and
people in your life to
be thankful for rather
then focusing on the
negative?
more I have realized that abun-
dance, the more I have been
blessed with good! I believe it is
the Law Of Abundance—be-
ing grateful for what we have
allows for more to come! It was
not easy for me to realize the
abundance in my life. Partly be-
cause I was focused on all the
things that were not going right,
did not feel good, or left me
frustrated and sometimes feel-
ing hopeless that things would
get better.
Perhapssomethingswillchange
and get better so that you do
not have to deal with them any-
more. But if you cannot do any-
thing to change certain things,
then what is the harm in being
grateful for the good things and
people in your life in the mean-
time? What would happen if you
shifted your focus each day to
the good things and people in
your life to be thankful for rath-
er then focusing on the nega-
tive? I have practiced this shift
in thinking, and I feel much bet-
ter about myself, my life and my
circumstances. When I can do
something to make things bet-
ter, I will take action, and when
I cannot do anything about my
circumstances (most impor-
tantly changing others), I find
peace in accepting situations
and others. I then am free to
celebrate the abundance in my
life.
To appreciate the abundance in
your life:
-
ple that make your life better
others
Angela Schaefers holds a
Bachelor of Arts degree in Orga-
nizational Management and a
Master of Arts degree in Coun-
seling. She has previously coun-
seled families, couples, children
and individuals. She has pro-
vided career coaching. She has
trained and worked as a Chap-
lain. Angela has three children
and is a Mimi (grandmother) to
one. She enjoys outdoor activi-
ties;; such as biking, hiking, kay-
aking and the beach, loves tea
time and savors a break to the
spa. Visit her website at
www.yourstorymatters.net.
your life to those that are suffer-
ing more then you
and appreciate them (no one is
perfect, but we all have positive
attributes)
Start appreciating the abun-
dance in your life today! I prac-
tice daily by saying “Thank
you” every time I pay for some-
thing (abundance of provision),
each time a friend or colleague
makes me smile (abundance of
relationships), a new opportu-
nity is revealed (abundance of
personal/professional success)
and more!
66. 66 INSPIRATIONAL WOMAN MAGAZINE
MY
DREAM,
MY WISHb y a t i k n u r m a s a n i
I was born in a village called
Mangunrejo, far away from
the hustle-bustle of the city. It
is located in the mountainous
area of Potorono and part of
the Kajoran District, Magelang
City, Central Java province of
Indonesia. My family is a sim-
ple one filled with warmth and
tolerance. My father and my
mother are farm workers. They
have a field, but it has not been
enough to meet our needs, so
they must cultivate other peo-
ple’s land as well. But even with
the limitations endured by my
family, it has not made me put
off the passion for studying.
When I was in the fifth grade of
studying at elementary school,
I looked very stupid. I did not
know anything; I was not able to
count or understand the mate-
rial well. Because of little guid-
ance, I seldom read and was
lazy. Every time I had a task or
test, I always got bad marks,
even 0’s, and that brought so
much shame to myself and to
my parents. Moreover, my other
friends got good grades. It was
very hurtful.
I pushed myself to study hard-
er, but the results were not re-
ally different. “I must do better,
no matter what I should do,” I
thought. So I composed a lot
of plans to complete my target,
to be more diligent and disci-
plined. I often came up with
practice questions. I got some
progress then.
In junior high I had to study
hard again; the competition
Atik Nurmasani is a stu-
dent from Indonesia. You
may reach her through email
at nurmasania@yahoo.com
Real Life Stories
was quite tough. It was not my
favorite school, but there were
many smart friends. I gave up
on my first exam results, but I
hoped I could get good grades,
which would make me happy.
When my parents were asked
to pick up my report, they saw
that my exam results were be-
yond expectations. I got first
rank in my class, beating my
other friends. Alhamdulillah, I
was very happy, and Mum and
Dad were too.
Since then, I always try to main-
tain that achievement. My par-
ents may not be able to give me
more money, but they gave me
the motivation and the oppor-
tunity to achieve a dream. Al-
though their opportunities were
limited, they don’t want their
children to experience the same
thing. They would do anything
for my happiness. I feel much
abundance coming to my life. I
love my family.
67. November/December 2012
GIVING
BACKb y n o z i k u b e k a
It has dawned on me that we
all come in this world equipped
with everything we need to
make an impact into our world.
Our mission is to dig deep and
bring it out, thus to be the best
that we were meant to be. Just
like an onion we all have lay-
ers to us that we peel as we go
through life. We lack nothing;
we are perfect just as we are. If
we can start to sincerely believe
this about ourselves, there is no
limit to what we can achieve.
Everyday I am beginning to ex-
perience this in my own life.
The year 2012 has been an
eye-opening year for me. I look
in the mirror and see a woman
who, not so long ago, was not
sure of where to start but is
now on a mission, driven and
fulfilling her purpose. A woman
who has decided to throw all
caution to the wind, close her
ears to any voices that say that
I must be careful or I can’t do it.
As I take small steps to achieve
the dreams that have lay dor-
mant inside of me for so long,
there seems to be clarity where
I am supposed to go and no
shortage of support, assistance
and favour along my path, just
abundance, from inside of me
and outside.
I am doing the things I have al-
ways yearned to do, such as
“...once you have
made a decision to
pursue your dreams
with passion and
commitment, there
is no shortage of
answers and ideas
along your way.”
Real Life Stories
68. 68 INSPIRATIONAL WOMAN MAGAZINE
Nozi Kubeka is a
motivational speaker and
author of two books entitled
Tears, Joy and a Cherry on
Top and Teenager, Be Wise.
She lives in in Johannesburg,
South Africa and can be
contacted at nozi.kubeka@
gmail.com
writing books and doing motiva-
tional talks in schools, church-
es and different organisations.
Soon there will be my own cloth-
ing label, more books, CDs, a
radio programme - who knows
- and the question I ask myself
is: Why not? What pleasantly
surprises me is that once you
have made a decision to pur-
sue your dreams with passion
and commitment, there is no
shortage of answers and ideas
along your way. As you gain
momentum and confidence in
what you do, you become your
own well of ideas and answers
(that to me is abundance) and
you also learn to trust your in-
ner voice (or should I call it your
inner GPS!). I once heard a say-
ing that the world makes a way
for someone who knows where
she is going. I liked that a lot
and never forgot it.
It is important to count our
blessings, and for me person-
ally, doing this energises me,
brings me joy and propels me
forward. I look at my family, my
dear husband and our three pre-
cious children and feel absolute
gratitude to God. I am also often
humbled and grateful for all my
successes big and small and
by the wonderful people that
support me along the way. I call
them givers. Some are there for
a very short time but leave a
huge impression on me - it may
be something they said, did or
did not do, and I learned from
it. Life is more beautiful and
abundant when we give, and
as women we are natural givers
and nurturers. We can impact
our world and our communi-
ties more when we unselfishly
reach out and pull each other
up, when we share our gifts,
knowledge and talents with one
another, but also when we pass
these on to our children. In my
own life as already mentioned
I give back through my writing
books, doing inspirational talks
to the youth and other groups,
and mentoring young women
and so forth. We all have a lot
to give, and when we do give,
we are never depleted but we
are replenished and have abun-
dance!
69. November/December 2012
Home Cooking
b y a l e x g r z e s z c z u k
...BECAUSE
LIFE IS FULL
OF F VORS!
Hummingbird Cake
WHAT YOU NEED :
300g caster sugar
3 eggs
300ml sunflower oil
270g peeled bananas, mashed
1 teaspoon ground cinnamon (plus
extra to decorate)
300g plain flour
1 teaspoon bicarbonate of soda
1/2 teaspoon salt
1/2 teaspoon vanilla extract
100g tinned pineapple, chopped into
small pieces
100 g shelled pecan nuts (or walnuts),
plus extra to decorate (I used an extra
50g)
3 x 20cm cake tins, base lined with
greaseproof paper
WHAT TO DO :
1. Preheat the oven to 170C.
2. Put the sugar, eggs, oil, banana and
cinnamon in a freestanding electric
mixer with a paddle attachment (or a
handheld mixer) and beat until the in-
gredients are well incorporated.
3. Slowly add the flour, bicarbonate of
soda, salt and vanilla extract and con-
tinue to beat until everything is well
mixed.
4. Stir in the pineapple and pecan nuts
by hand until evenly dispersed.
5. Pour the mixture into the prepared
cake tins and smooth over with a pal-
ette knife.
6. Bake in the preheated oven for 20-
25 minutes, or until golden brown
and the sponge bounces back when
touched.
7. Leave the cakes to cool in their tins
slightly before turning out on to a wire
cooling rack to cool completely.
70. 70 INSPIRATIONAL WOMAN MAGAZINE
Alex Grzeszczuk began her
modeling career in Germany
at the age of 14. She struggled
with an eating disorder where
food became a guilty pleasure
which she didn’t allow herself
to have. Now she is a survi-
vor and when not modeling,
Alex loves to cook and try out
new recipes. She is laying the
groundwork for her Bakergirl
Project—her dream bakery of
homemade bread, pastries,
cakes, salads and sandwiches.
Cream cheese frosting
(makes double regular reci-
pe)
WHAT YOU NEED :
600g icing sugar, sifted
100g unsalted butter (at room tem-
perature - makes life a lot easier)
250g cream cheese (from the fridge,
not room temperature)
WHAT TO DO:
1. Beat the icing sugar and butter to-
gether until well mixed.
2.Add the cream cheese and beat un-
til incorporated.
3. Continue beating until the frosting
is light and fluffy, for at least five min-
utes. Don’t overbeat as it can become
runny.
Assembling the cake:
1. When the cakes are cold, put one
on a cake stand (I actually used bak-
ing parchment; it helps to clean up the
mess) and spread about 1/4 of the ic-
ing over it with a palette knife.
2. Place a second cake on top and
spoon over another 1/4 of icing over.
3. Top with the final cake and spread
the remaining icing over the top and
sides.
4. Finish with pecan nuts (or walnuts)
and a light sprinkling of frosting.
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