Judy Chapman

Judy Chapman founded Garden State Woman, Inc. in 1998 and the Garden State Woman Education Foundation 501(c)3 in 2007. In recognition of the need for women everywhere, including New Jersey, to take firmer control of their futures and their families’ futures - in a world that is still not equally balanced between the opportunities and rewards provided men and women - for equal efforts in many aspects of their personal and professional lives.

Website URL: http://www.gswoman.com

Congratulations Kim

Congratulations to Kim Guadagno on her election as the first Lieutenant Governor of the State of New Jersey. We know problem solving  will be a challenge and we wish her the best as she and newly elected Governor Chris Christie tackle reigning in government spending and corruption  -  as well as unemployment.  What advice do you have for the newly elected team? Email me your thoughts: This email address is being protected from spambots. You need JavaScript enabled to view it.


Which Exit?

If you happen to think that despite a real failure of leadership, New Jersey is an okay place to live, work and educate your children then it behooves you to get out and vote. In our gut we know that all the campaign jargon will be just that after the election. Just as the Sopranos and Desperate Housewives have joined the tag line for New Jersey, Which Exit?, most of our elected officials leave much to be desired as role models. However, for better or worse, what you see is what you get.

One interesting element of this gubernatorial race is the election of a Lieutenant Governor. This is a new position and it will be interesting to see how it evolves. This position was created  to provide someone to be in charge if the governor is unable to perform the duties of the office. No other responsibilities have been assigned and it will be up to the governor to create the job description.
Since this is a three way race, it will be interesting to see how the vote unfolds. If we believe the hype, one candidate feels the need to bask in the shadow of national politicians and their massive spending, another candidate appears to offer us the opportunity to return to the good ole days of the previous Republican president; and the third candidate offers the choice of a governor not attached to either the Democratic or Republican party machine. The candidates for the Lt. Governor position have been selected by the candidate for governor of their party. Jon Corzine has selected Loretta Weinberg; Chris Christie has selected Kim Guadagno and Chris Daggett has selected Dr. Frank J. Esposito. It is interesting to speculate whether they will have an impact on the voting.
In a state with the highest taxes in the nation, a small business climate that is hardly friendly and gridlock throughout that requires no matter where you want to get to – add at least one hour to sit in traffic - we will vote with optimism the selection of governor.
REMEMBER, you are only entitled to complain if you VOTE!!!

Get Your Kids Excited For College

Jonathan KillionEver since our son was born, whenever we went anyplace (and I mean any place) we tried to find time to sneak in a campus visit to whatever college or university was near-by. We did this mostly in the U.S. but also a bit in Canada and in Europe. During his grammar and high school years we probably visited 75 to 100 campuses without ever once really going out of our way to make a college visit. And it didn’t really matter to us which schools we were visiting. We wanted him to experience all types from the biggest to the smallest and from the most prestigious ( the Yales, Harvards, MITs, Notre Dames of the world) to the lesser known ones including such fine schools as Appalachian State and Reed College.

Sometimes, if we had time, we would pop into the admissions office to see if we could get a tour or talk with someone and sometimes we would just walk the campus, talk with students we met, visit the book store to buy a cap (all hanging in his room) and find the gym so he could shoot some hoops with my husband. In our journeys we visited a range of colleges from Cornell and Colgate to University of North Carolina to University of South Carolina to Vanderbilt to the University of Florida to Rice, University of Texas, University of Washington and many more.

In the fall, for several years, my husband and Jonathan would have a “boys” weekend together at a major campus for a football game so Jonathan got to experience that aspect of college life. These trips took him to the University of Michigan, Notre Dame, Penn State, Duke, Texas Tech and others.

In the winters they would find basketball games to go to including at Lehigh, St. Johns and others.

During his younger years we tried to get a week off between Christmas and New Years to get away. This gave us the opportunity to visit universities in London, Paris, Rome and Montreal.

When Jonathan was ready to decide where to apply for college we didn’t have to make any special last minute trips. He knew the part of the country that he liked (the north-east) and the type of college environment and program that appealed to him. He settled on Georgetown, an absolutely great selection for him, because of its DC location, its undergraduate business school degree, its nationally ranked basketball program and its strong alumni group in this part of the country.

Using this approach we never had to deal with the issue of whether or not Jonathan would go to college and we never dealt with the uncertainty of picking the “right” place. On every trip the side excursion to a new college to visit was always a highlight. To share ideas and thinking email: This email address is being protected from spambots. You need JavaScript enabled to view it..

Putting Together Your Life Team

Judy ChapmanWhen our son Jonathan graduated from Georgetown four years ago we spoke with him about putting together his own “Life Team.” This is a concept all of us should consider for ourselves as well as for our kids as they start their working careers.

A few months after graduating from college my husband Jack arranged for Jonathan to interview and be interviewed by two financial advisors, two accountants, two lawyers and two insurance professionals with the idea that he would pick one of each, assuming the professionals all agreed they would be willing to take on Jonathan as a client. Jonathan went through the process and now has his Life Team in place, hopefully for years to come. All four professional advisors have skills that Jonathan will need as his life unfolds with increased complexity.

The discussion with the professionals focused on the facts that Jonathan was just starting out, his life at that point was uncomplicated. His income modest and, as a result, the time demands he would have on his “advisors” would be minimal. The short term fees they would earn from him would be low.

The upside was that as Jonathan progressed in his career and life his need for good advice in all four area covered by his Life Team would increase rapidly as would his ability to pay for professional services. In addition, as Jonathan became comfortable with his advisors, he obviously would be recommending them to his peer group, all also successful young people on the move up the ladder. In essence Jonathan becomes a farm system developing potential new clients for his advisors.

One key to successfully using this strategy for surrounding yourself with quality life-time advisors is to pick only potential advisors that you trust implicitly either because of previous experiences with them or because of strong referrals you have received to them. It is also important to pick advisors of an appropriate age. In Jonathan’s case all members of his Life Team are in their early 40s so they will grow together with over the long haul. It is also important to pick advisors who feel totally comfortable with whatever level of client you will be starting off and then over the long term. Ideally, it makes sense to introduce the advisors to each other so that they can benefit from you bringing them together as other members of the Life Team.

I can’t imagine any younger person who would not be well served by having her or his own Life Team. Life is certainly a contact sport in which all the players need their coaches. Think about it.

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