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Curated Collection Of The Best Interviews From Our Gwinnett Studio





Wayne Baxter and Joe Dreher with Monkey Wrench Brewing, Anna Hopkins with Elevated Image and Connie Catalano with 31 Training

Gwinnett Business Radio - March 12, 2015

Steven Julian, Wayne Baxter, Joe Dreher, Connie Catalano, Anna Hopkins, Mike Sammond

Wayne Baxter & Joe Dreher/Monkey Wrench Brewing

Wayne Baxter & Joe Dreher, Monkey Wrench BrewingMonkey Wrench Brewing Co (MWB) is a craft brewery in planning for Gwinnett County, GA. This new microbrewery is launching as a result of the dreams and inspiration of a local home brewer Wayne Baxter and his fellow home brew friends. Now his team is taking this backyard operation to the big leagues and preparing plans for construction and launch of a new local brewery.

Baxter has been perfecting recipes for the past 17 years, collecting multiple awards along the way for beers like the Very Merry Monkey Ale. To compliment these proven products, Monkey Wrench boasts a powerful communications and marketing team led by in-house creative professional Joe Dreher plus sales expertise from local retail/distribution specialist Ashton Cheatham. Monkey Wrench Brewing has a rapidly growing social media following and has promoted at beer festivals across the state of Georgia for the last three years.

Monkey Wrench Brewing will handcraft Baxter’s delicious beers in limited, 30 barrel batches to begin. With a diverse portfolio of beers, spanning from IPA’s to Belgian Blondes to Imperial Stouts, the team plans to produce a staple of year-round selections along with special seasonal releases. Follow their start up progress as they “Wrench It UP a Notch” later this year with construction of a new brewery and fun tasting room.

Anna Hopkins/Elevated Image

Anna Hopkins, Elevated ImageElevated Image specializes in helping female business owners and executives look great, feel great, and love their wardrobe. We work with clients to create a personalized style that brings together her life, her personality, and her physical features. Having a personalized style means that she not only looks great, but she is comfortable and confident in her new look. Her style is not only flattering, it is authentic to who she is as a person. Elevated Image offers a variety of services from closet edits, to teaching you how to dress your best, to full service personal shopping

Connie Catalano/31 Training

Connie Catalano, 31 TrainingWhile working for a large training company, Connie Catalano ventured out to her clients to help them find answers to their business challenges only to hit a wall time after time with decreasing budgets. She would walk away thinking if only they could find some programs that met their immediate need and met their budgets as well!

After multiple attempts to work out some programs with her employer, there was no budging on prices and time after time she was walking away from companies who needed training. She had a client that she worked with years earlier who told her a story about how they started their company on the idea that they could lower their expenses and lower their prices and offer the exact same product as the bigger companies. They became successful overnight and managed to provide good paying jobs to many people. The success of this company never left Connie’s mind!

After much study and research, Connie started 31 Training and found a way to offer incredible training programs for less then half of what larger companies were charging and with more condensed sessions for quick results.

Lorrie Thomas Ross with Web Marketing Therapy, Vince Bailey with Vince Bailey Productions, and Kimyung Kim with Kimyung Kim Entertains

Mike Sammond, Vince Bailey, Lorrie Thomas Ross, Kimyung Kim, Steven Julian

Mike Sammond, Vince Bailey, Lorrie Thomas Ross, Kimyung Kim, Steven Julian

Lorrie Thomas Ross/Web Marketing Therapy

Lorrie Thomas Ross, Web Marketing TherapyWeb Marketing Therapy  is a digital marketing agency. They specialize in strategic advisory, training and marketing management. They get clients on the right path for success. Web Marketing Therapy helps entrepreneurs and small businesses grow and improve. They help their clients learn, grow and achieve with strategic marketing – sometimes tough love is required!


Vince “the Voice” Bailey/Vince Bailey Productions

Vince Bailey, Vince Bailey ProductionsVince “The Voice” Bailey of Vince Bailey Productions is a 30+ year media veteran who began his career as a United Way volunteer reader for the blind in his hometown of Gary, Indiana. He has provided voice over and narration services for hundreds of clients over the years. Services include voiceover for radio and television commercials and promos, training materials, audiobooks, telephone on hold systems, museum kiosks and tours, and much more.

“The Voice” is an announcer for professional sporting events and media broadcasts including the Atlanta Dream (WNBA Basketball team), the Georgia Force (Arena Football), Professional Boxing, and Professional Ballroom Dancing (NDCA Certified). He is the VOG (Voice of God) Announcer for several nationally televised awards programs, including The Trumpet Awards and The Stellar Awards.

Always willing to share, Vince offers Voice-Over lessons at educational institutions as well as private instruction. Contact Vince today to get your VO career started!

Kimyung Kim/Kimyung Kim Entertains

Kimyung Kim, Kimyung Kim EntertainsKimyung Kim is a modern day Renaissance Man. An Entertainer Extraordinaire, he performs comedy, freestyle rapping, and emcees events. He has traveled around America performing at various schools, conferences and company events. With a background in public speaking, Kimyung has learned the art of entertaining crowds.

Kimyung’s philosophy on art is that it can be both entertaining and edifying. His goal is to create art that does just that. For more information on Kimyung, you can visit his website at www.kimyungkim.com/entertainer or email him at kimyung@kimyungkim.com.

WEALTH MATTERS: Recognizing and Avoiding Triggers That Lead To Estate Disputes

Robert Port, Craig Frankel, Adam Gaslowitz, Millie Baumbusch

Robert Port, Craig Frankel, Adam Gaslowitz, Millie Baumbusch

On today’s episode of “Wealth Matters” attorneys Adam Gaslowitz and Craig Frankel are joined by the firm’s newest partners Robert C. Port and Millie Baumbusch for a roundtable discussion about recognizing and avoiding triggers that can lead to estate disputes.

ABOUT ROBERT C. PORT

Rovert Port, Gaslowitz FrankelRobert Port has over 30 years of experience in civil litigation, arbitration and mediation. In addition to handling business and contract disputes, and will, trust, estate, and other fiduciary disputes, Robert has an emphasis on representing investors harmed by the misconduct of their stockbroker, investment advisor, insurance agent, or other trusted advisor.

Robert has handled court and arbitration cases across a broad range of financial misconduct, including cases arising from inappropriate strategies, unsuitable sales of annuities and life insurance products, failed or unlawfully offered private placements, real estate investment trusts (REITs), excessive trading (churning), unauthorized trading, sale of unregistered securities, and losses suffered as a result of Ponzi schemes.

Robert is AV rated by Martindale-Hubbell, and has been repeatedly selected as a Georgia Super Lawyer. He is the Editor of Georgia Business Litigation, a one-volume comprehensive guide to subjects that business litigators often encounter in their practices, published by the Daily Report and American Law Media (ALM). He also publishes and lectures on investing, securities litigation, and arbitration, including articles in both legal and general interest publications. He has been interviewed ind quoted by a variety of media outlets including the Wall Street Journal, Atlanta Business Chronicle, Atlanta Journal-Constitution and the Daily Report.

LinkedIn: http://www.linkedin.com/in/robertport/en

ABOUT MILLIE BAUMBUSCH

Millie Baumbusch, Gaslowitz FrankelMillie Baumbusch is a litigator specializing in trust and estate matters. This includes contested will cases, claimes regarding trust and estate accountings, claims for breaches of fiduciary duty andabuses of powers of attorney, and a variety of disputes involving trust and esatte holdings in companies and partnerships.

A significant portion of Millie’s practice involves contested adult guardianships and conservatorships. Millie is certified in civil collaborative practice. She has made CLE presentations and lectured on guardianships, how to avoid estate disputes, and other related topics.

Prior to beginning her law practice with Gaslowitz Frankel, Millie was a lending officer to middle market companies at a New York money center bank. During her time there, she held several positions in strategic planning and market research. Millie currently serves on the Board of Directors of the ALS Association Georgia Chapter. Millie joined Gaslowitz Frankel in 2007.

LinkedIn: http://www.linkedin.com/in/milliebaumbusch/en

ABOUT GASLOWITZ FRANKEL, LLC:

Gaslowitz Frankel is an experienced trial practice firm specializing in all aspects of complex fiduciary litigation throughout Georgia and the Southeast. With a focus on representing individuals, companies, banks, and fiduciaries in dispute involving wills, estates, trusts, guardianships, businesses, and securities law, their experienced and highly qualified litigation attorneys have tremendous credentials and a proven history of success.

If you would like to listen to past episodes of “Wealth Matters’, please visit their You Tube Channel.

Remember to tune in the last Wednesday of every month at 8:30 AM to listen live to their show!

Facebook: https://www.facebook.com/EstateDispute

Twitter: https://twitter.com/EstateDispute

LinkedIn: https://www.linkedin.com/company/estatedispute

Wealth Matters Radio Show

 

Jennifer Perry with Lone Wolf Communications and Amy Heskett & Meyghin Harringtion with Century Apartments

Mike Sammond, Megan Harrington, Jennifer Perry, Amy Heskett, Steven Julian

Mike Sammond, Meyghin Harrington, Jennifer Perry, Amy Heskett, Steven Julian

Jennifer Perry/Lone Wolf Communications

Lone Wolf Communications began as a public relations and copywriting agency in 2006. Since 2013, their focus has been entertainment publicity. They provide individual client services and consultations, as well as webinars and books for practitioners of the “Do-It-Yourself” movement.

 


Amy Heskett & Meyghin Harrington/First Communities/Century Apartments

The communities in the Century Collection offer luxury living apartment homes with an emphasis on resident satisfaction and strong identification through the Century brand. Headquartered in Atlanta, GA, they operate in multiple markets across the country including Florida, Georgia, North Carolina, South Carolina and Texas. Century Riverside and Century Sugarloaf are located in Lawrenceville, GA.

The Century Collection creates a convenient living experience by being located near centers of employment, shopping, transportation and entertainment. In addition, they offer a range of on-site amenities that frequently include business centers with WiFi, workout facilities, pools, and tennis courts. With an average age of less than 8 years, their communities are fresh and contemporary.

The Century staff strives to create a consistent experience of quality, value and satisfaction for their residents. Their attention to detail and quality control will offer you the carefree lifestyle you deserve!

Issues Concerning Special Need Individuals with guests Kathy Keeley, Kristen Lewis and Fontaine Lee on Wealth Matters Radio Show

Craig Frankel, Kristen Lewis, Kathy Keeley, Fontaine Lee, Adam Gaslowitz

Craig Frankel, Kristen Lewis, Fontaine Lee, Kathy Keeley, Adam Gaslowitz

On this episode of Wealth Matters attorneys Adam Gaslowitz and Craig Frankel  discuss issues concerning special needs individuals with guests Kristen Lewis, an expert on special needs trust planning; Kathy Keeley, the Executive Director of All About Developmental Disabilities (AADD); and Fontaine Lee, Vice President of Cumberland Trust.

The panel will discuss information relating to special needs trust planning and helping families understand their individual roles in a special needs trust.

 ABOUT KRISTEN M. LEWIS

LewisKristen M. Lewis practices law in Atlanta, GA with Smith, Gambrell & Russell, LLP. She is a Fellow of the American College of Trust and Estate Counsel, and is a nationally recognized expert on “Special Needs Trust” planning for persons challenged by disabilities. She is an active member of the Special Needs Alliance, the Academy of Special Needs Planners, the National Academy of Elder Law Attorneys, the American Bar Association, the New York Bar Association Elder Law Section, the State Bar of Georgia Fiduciary Law Section, and the Georgia Planned Giving Council. She recently completed her tenure as Co-Chair of the Long-Term Care, Medicaid and Special Needs Trusts Committee of the Elder Law, Disability Planning and Bioethics Group of the Real Property, Probate and Trust Law Section of the ABA. In her free time, she trains certified service dogs for Canine Assistants based in Milton, GA.

Ms. Lewis received her B.A. degree in French and political science, with highest honors, from Wellesley College in 1981. She earned her J.D. degree from Cornell Law School in 1984. She is admitted to practice law in both New York and Georgia.

Ms. Lewis co-authored an article entitled “Top 15 Tips for Estate Planners When Planning for Special Needs”, published in Probate & Property, Volume 24, Number 2, March/April 2010, which won the magazine’s 2010 Excellence in Writing Award for “Best Overall Article – Trusts & Estates”. She most recently authored an article entitled “The Crime of the 21st Century: Financial Abuse of Elders” which was published in Probate & Property, Volume 28, Number 4, July/August 2014.

LinkedIn: www.linkedin.com/pub/kristen-lewis/22/901/32

Company LinkedIn Page: https://www.linkedin.com/company/27889

Twitter: https://twitter.com/sgrlaw

ABOUT KATHY KEELEY

Kathy Keeley, AADDKathy Keeley is the Executive Director of All About Developmental Disabilities (AADD) which focuses on creating a meaningful life for individuals with developmental disabilities through family support, employment and community engagement. Prior to joining AADD, she had her own consulting firm providing strategic planning and business planning to large cities and nonprofits throughout the U.S. She is a social entrepreneur having started the first loan fund for women-owned businesses in the U.S. and the first micro-enterprise association of lenders. She is the former Chief of Staff for a Mayor, launched the Calvert Foundation, and provided technical assistance in nearly 30 counties on economic and business development. Keeley came to AADD to jump off Delta flights and make an impact in her home community with a focus on restructuring one of the longest serving nonprofits focused on developmental disabilities in Georgia.

Facebook: https://www.facebook.com/AllAboutDevelopmentalDisabilities

Twitter: https://twitter.com/AADDorg

Linkedin: https://www.linkedin.com/company/aadd

ABOUT FONTAINE LEE

Fontaine Lee_HeadshotFontaine Lee is currently the Vice President and Business Development Officer with Cumberland Trust & Investment Company, an independent trust company with headquarters in Nashville, TN. She opened the Atlanta office for Cumberland in the Fall of 2010 and is responsible for business development in Georgia, Florida and South Carolina. Fontaine began her career at Citigroup in Institutional Fixed Income Sales and Trading where she focused on tax-exempt offerings. After receiving her M.B.A from Emory University, she transitioned from capital markets into private wealth management. Since that time, she has held business development roles at Atlanta-based Reliance Trust and with a multi-family office. Fontaine also spent two years at the Coca-Cola Company working in marketing research.

A native of Atlanta, Fontaine is actively involved with the Atlanta Vanderbilt Club and is a graduate of the Atlanta Women’s Foundation Destiny Fund program, and co-authored the L.E.A.D. program for Leadership Atlanta. She sits on the board for the Agape You and Family Center and is on the Marketing and Development Committee for Whitefoord, Inc. She has also served as a board member for Executive Women of Goizueta, the women’s alumni organization for the Goizueta Business School. In addition to her M.B.A., Fontaine has a B.A. from Vanderbilt University.

LinkedIn: http://www.linkedin.com/pub/fontaine-mcdaniel-lee/0/381/1a9

ABOUT GASLOWIZ FRANKEL LLC:

Gaslowitz Frankel LLC is an experienced trial practice firm specializing in all aspects of complex fiduciary litigation, representing individuals, companies, banks, and fiduciaries in will, trust, and estate disputes; investor and financial advisor disputes; shareholder/partnership disputes; contract disputes; complex commercial disputes; and appeals.

If you would like to listen to past episode of Wealth Matters please visit our YouTube Channel.

Remember to tune in the last Wednesday of every month at 8:30 a.m. to listen live to our show!

Facebook: https://www.facebook.com/EstateDispute

Twitter: https://twitter.com/EstateDispute

LinkedIn: https://www.linkedin.com/company/estatedispute

Wealth Matters Radio Show

 

OPEN FOR BUSINESS presented by the Gwinnett Chamber of Commerce

Guy Karnitz, Al Karnitz, Megan Lesko, Karen Backus, Bill Lampton, Mike Sammond

Guy Karnitz, Al Karnitz, Megan Lesko, Karen Backus, Bill Lampton, Mike Sammond

Al & Guy Karnitz/Ace Truck & Body Repair

Al and Guy Karnitz, Ace Truck Body and Trailer RepairAce Truck Body & Trailer Repair‘s motto “You had a choice and you chose us” has led them through 32 years of growth and success as a full-service operation specializing in body and engine repair and painting of tractor-trailer and medium-size trucks, as well as mobile units to provide on-site repairs.

Since Al Karnitz opened the doors to his company on August 11, 1981, the company has grown from four employees to 38 employees housed in a 33,000 square-foot custom-built repair facility located just three miles from its original location. Over time, the company has become a seven-figure, family-run business. The eldest son, Guy Karnitz, is the general manager. Another son, Allan Karnitz, is in charge of outside estimating and public relations. The company continues through the generations, with grandson Devon Karnitz, who works as an estimator.

Bill Lampton/Championship Communication

Dr. Bill Lampton, Championship CommunicationFounded in 1997, Championship Communication helps companies identify their communication problems and find solutions to them. Also, Dr. Bill Lampton helps leaders learn to speak with “poise, power, and persuasion.” He teaches clients to produce top-quality, cost-effective videos using their iPads or iPhones.

As a keynote speaker, seminar director, and coach, Bill has worked with top-tier clients, including the University of Georgia Athletic Association, Gillette, Ritz-Carlton-Cancun, Celebrity Cruises, and the British Columbia Legal Management Association. He wrote a popular book, “The Complete Communicator: Change Your Communication, Change Your Life!” His motto: “Helping You Finish in First Place!”

Karen Backus/Avion Energy Group

Karen Backus, Avion Energy GroupAvion Energy Group gets energy providers licensed in your state to compete with each other to get you best pricing. Avion provides an apple-to-apple comparison of best pricing by providing you a list of those suppliers on one sheet of paper where you can see how they competed for your business. They will arrange to have the contract documents prepared for your signature the same day and will notify you when your signed agreement has been accepted by the provider. About 90 days before your contract is about to end they will contact you to start the process again. You can change suppliers each time your contract is up for renewal yet remain a client of Avion Energy for years to come and the best part is their service is totally free because they are paid by the providers.

Megan Lesko/Gwinnett Chamber of Commerce

Megan Lesko, Gwinnett Chamber of CommerceThe Gwinnett Chamber is the forum where business, government, education, healthcare, arts/culture/entertainment, and philanthropic and public service communities come together to advance the region’s economy and enrich Gwinnett’s quality of life.

 

 

Matthew Dibert with Suwanee Park Tavern, Audrey Blake with Fostering Leadership in You and Robert Fordham with Velo Systems

Mike Sammond, Matthew Dibert, Robert Fordham, Audrey Blake, Steven Julian

Mike Sammond, Matthew Dibert, Robert Fordham, Audrey Blake, Steven Julian

Matthew Dibert/Suwanee Park Tavern

Matthew Dibert, Suwanee Park Tavern

Suwanee Park Tavern will be opening in January 2015 at Suwanee Town Center. More info to come soon.

 

 

 

Audrey Blake/Fostering Leadership in You

Audrey Blake, Fostering Leadership in YouFostering Leadership in You helps organizations and individuals “Successfully Organize to Achieve Results” or “S.O.A.R.”.

Their goal is to help you S.O.A.R.! They are available to help you or your group tap into the “Leader inside” and maximize your full potential. Through their innovative workshops and presentations, they help inspire your staff or group to become more productive and increase their skill sets. They are fortunate to have an author on staff who has interacted with hundreds of individuals and inspired them to reach their professional and personal goals.

Robert Fordham/Velo Systems

Robert Fordham, Velo SystemsVelo Systems provides virus removal, website design & development, and SEO to individuals and businesses. They offer a wide variety of technology services for both small business and the home. Our award-winning designers bring passion and enthusiasm to every project. From original designs to complete renovations, we have you covered.

Ken Lewandowski with Aviation Institute of Maintenance and Anthony Mitchell with IMPACT! Group

Mike Sammond, Ken Lewandowski, Anthony Mitchell, Steven Julian

Mike Sammond, Ken Lewandowski, Anthony Mitchell, Steven Julian

Ken Lewandowski/Aviation Institute of Maintenance

The AIM – Atlanta campus is part of the nation’s largest family of aviation maintenance schools, with headquarters in Virginia Beach, VA. Through AIM’s FAA-approved aviation program, students prepare for a high-flying career in aviation maintenance. AIM Atlanta also is home to a comprehensive combination welding program. Students in both areas learn the skills necessary to become successful in two of the world’s fastest growing industries, aviation maintenance and welding. AIM graduates are there to meet the increasing global demands of commercial, cargo, corporate and private aviation and equipment manufacturing employers. AIM’s other campuses are located in Chesapeake, VA and Manassas, VA, Dallas, Houston, Indianapolis, Kansas City, Oakland, Las Vegas, Orlando and Philadelphia.

Anthony Mitchell/IMPACT! Group

The IMPACT! HomeOwnership Center was added in 1994 to meet the needs of first-time homebuyers and residents in danger of losing their homes to foreclosure, and it shortly thereafter became a HUD-Certified Housing Counseling Agency. The center today helps prevent foreclosures in Gwinnett County and greater Atlanta through group classes and free individual counseling sessions. The center also provides housing counseling, down payment assistance, and financial counseling services to first-time home buyers, current homeowners, and the general public in Gwinnett County and northeast Georgia.

Dr. Alan Wang with Salude, Cappi Arneson with Foster & Witmer and Mike DiLeone with Lanier Islands

Steven Julian, Dr. Alan Wang, Cappi Arneson, Mike DiLeone, Mike Sammond

Steven Julian, Dr. Alan Wang, Cappi Arneson, Mike DiLeone, Mike Sammond

Dr. Alan Wang/Salude

???????????????????????????????Salude is a 46,610-square-foot, upscale transitional care and rehabilitation facility focused on providing exceptional care in a state-of-the-art environment. Helping patients recover is as much of an art as it is a science, and Salude combines clinical excellence with beautiful surroundings as a way to enhance the health and wellness of every person who passes through the doors.

Cappi Arneson/Foster & Witmer

Cappi Arneson, Foster & WitmerEstablished in 1976, Foster & Witmer specializes in all types of insurance coverage with a focus on hard to place risks. If you or someone you know is having a difficult time with their insurance, give them a call. Their ability to shop your coverage with several companies allows for the best results in the marketplace.


Mike DiLeone/Lanier Islands

Mike DiLeone, Lanier IslandsSituated along the shores of Georgia’s Great Lake, Lanier Islands features 1,500 scenic acres, beckoning to families and corporate groups alike. Marrying luxurious amenities with unparalleled natural beauty, a Lanier Islands vacation is one to be treasured long after your bags have been unpacked and your photos have been uploaded. With over 24,000 sq feet of indoor space, multiple unique outdoor function spaces and extensive team-building activities, a meeting at Lanier Islands is never just a meeting – it’s an inspirational experience.

Steve Walker with Civis Capital and Michael Sytsma and Monique Wells with Building Intimate Marriages

Dr. Michael Sytsma, Monique Wells, Steve Walker, Steven Julian

Dr. Michael Sytsma, Monique Wells, Steve Walker, Steven Julian

Steve Walker/Civis Capital

???????????????????????????????Civis Capital, based in Knoxville, is the small business lending division of Civis Bank, a 109-years old community bank headquartered in Rogersville, TN. The bank prides itself on taking its hometown, community bank attitude and approach beyond the TN borders and throughout the southeast. Civis’s business lending territory is the southeastern USA including all of Florida. Civis Capital treats its clients with the attitude reflected in its motto – “Small Business is our Only Business.” The bank began life as Citizens Bank of East Tennessee, and recently changed the name to use the Latin word for “citizen” and reflect a broader geographic reach.

Steve Walker is a native of Atlanta and 25-year Georgia banking veteran, with the vast majority of that time in commercial loans. He spent the bulk of it in the “big bank” world, logging 12 years with Wachovia/Wells Fargo and 9 years with Regions Bank before moving to the community bank world, which he considers a breath of fresh air. Steve is a subject matter expert on SBA lending and the benefits it offers today’s entrepreneurs, especially the 7(a) program.

Dr. Michael Sytsma & Monique Wells/Building Intimate Marriages

Michael and Monique, Building Intimate MarriagesBuilding Intimate Marriages aims to help individuals grow using marriage as the main agent of change. They do so by providing counseling, psycho-education, and resources focusing on relationship, premarital, marriage, and sex therapy. They also provide consulting and training to other professionals who specialize in the same arena.

They provide about 100 hours of counseling per week with the specialty areas of sex therapy (i.e., sexual conflict, sexual desire conflict, sexless marriages, painful sex, erectile dysfunction), affair recovery, premarital, communication problems, highly conflicted marriages, general marital discord. They also see individuals and families for a variety of typical counseling needs. They provide this counseling for a range of fees depending on the training and experience of the counselor. Session fees for interns can be as low as $10 per session.

They also have a sexual enrichment workshop for married couples – the Passionate Intimacy Workshop. This Friday/Saturday workshop has been shown in follow-up research to be highly effective in helping couples, with 75% stating what they learned was still having a positive change in their overall sexual satisfaction in marriage 6 months after the workshop. They provide the workshop about 4 times a year.