Peer to Peer Fundraising

woman on computer IBC


Note from the publisher: This information provided by my friend, Terry Arnold, is very valuable as we are all touched by stories we see from our friends on Social Media. I personally know of many instances, some VERY recently, where people have been helped tremendously by fundraising efforts set up by friends in times of need. Social Media is a great way to let people know that help is needed but it also provides an easy way for us to reach out and give. 


There are some popular 3rd party platforms online, making it fast and easy to raise funds for causes. This article is a brief overview of a few things to consider when thinking of using an online funding site, for a personal need or charity, often commonly called “peer to peer” fundraising. We are a very mobile society and sometimes physical distance is a blockade to being able to help a friend or relative. Also with the popularity of online banking, and a check book is a thing of the past, every charity depends on the web to collect funds.   Online peer to peer services allow for a way to help that is very effective.

However, the donor needs to understand that all platforms are not the same with Peer to Peer (Third party) platforms. There are an endless number of services available.   Let’s start with two popular ones: Go Fund Me, (, and Give Forward ( These services are fast, easy and can be ready to go in just minutes. All you need is a bank account (not necessarily your own), a story, a few pictures and a funding goal.

The cause can be for anything you can imagine. Wish to have your friends donate for a honeymoon instead of buying wedding gifts? Easy, just go on one of the many available sites, set it up and blast it to your peeps and hope they give via the site the $25 that they might have used to buy you a toaster! Or it could be used for more serious needs, like medical expenses. I have personally suggested third party platforms to help fill a sudden need to newly diagnosed patient facing a large deductible or the possibility of needing travel funds for non-local or specialty care.

When in need, a peer to peer platform can be just the ticket to get cash in hand, allow friends and family an easy way to chip in. Sounds too good to be true? No, but there are somethings to consider. It is really free? No, it is free to set up, but there are some small usage fees. Each transaction has a small handling fee, much like a traditional credit card transaction online. The fees cover the services of the platform. This is how it works. You have a need and a goal. You set up a page stating your need, post a few pictures and you have to give a bank account number for the donations to be deposited. For the first few days, (time depends on service used) the funds are held at the service, then after set up, deposits are made in real time into the account, minus a small credit card processing fee. Again, the fees are not usually high, and the convenient factor can far outweigh way the cost.

So what are the drawbacks? Well, there are a few things to think about. Anyone can set up an account. Peer to Peer fundraising is based off the honor system. There is not a qualifying system in peer to peer.   Also one other thing to consider is if your goal is a large one, the IRS might contact you and want their percentage as taxable income. So if you are the one setting up an account, you might need to seek professional financial advice first. Also donations to peer to peer are not tax deductible, as you are not donating to a charity but to an individual.

Remember I mentioned a qualifying system in peer to peer?   General peer to peer platforms do not have a way of qualifying a cause but there are peer to peer sites that are only allowed to be used by an IRS approved charity. One example is FirstGiving (   What makes FirstGiving different from general peer to peer is Firstgiving only allows 501c3 charities to use their services, giving a level of qualification to the appeal.   The charity has to register with the site, giving proof of their IRS status. Of course a charity can use their own charity site to collect online donations. Since I have outlined some of the differences you might wonder why would a charity use a service like Firstgiving?

Well, there are some social aspects that come into play.   Let’s use the American Red Cross for example. They are a well-known charity, with the ability to collect donations on their site. However, if I want to have some ownership in a project or need, I could go to the American Red Cross site on Firstgiving, ( citing a personal example of why I would like to see my friends join them in support. I could set a small (or large) goal and go for it.   The donations are tax deductible and the funds are placed directly to the charity bank account. A page like Firstgiving can give the driver of the cause a voice to share why this is cause is important to them. Also another feature is potential donors can see the mission statement of the charity, address and contact details and even a direct link to donate to that charity, allowing you to bypass the Firstgiving site all together.   This ability only adds to the trust factor of the site.

A page on any of the websites I am discussing all have a meter feature, allowing excitement to grow as the meter hopefully moves to the goal. This excitement factor is powerful reason a charity might use Firstgiving in addition to or even instead of their own website for a campaign.   All donations are tax-deductible.   That is an important feature if you are planning to use this deduction on your taxes or wish to have your employer match your donation.

I personally donate to peer to peer sites, as well as Firstgiving and also directly to my favorite charities. I think peer to peer online fundraising is a great service.   For an individual or for a charity, there is a place and time for each.   I hope this information will be of help to you as you make donation decisions.

Happy donating!

Terry Arnold was diagnosed with IBC in her right breast in August of 2007 after months of misdiagnosis. As if an IBC triple negative diagnosis was not enough of a blow, she discovered her left breast had traditional cancer as well. In treatment for almost a year, six months of chemo, double mastectomy, and daily radiation for 6 weeks. Outside of being the best wife possible to her husband Calvin of 35 years and mother (5), mother in law, (3) and grandmother (6 and one more arriving November 2015), she is focused on educating every person to learn more about IBC, its symptoms, best treatment plans, and funding research. She has her sights set on funding more research by as fast can donations will allow via.The IBC Network Foundation, a 501c3 she founded in August 2011, She looks forward to the day we can all remember than once, long ago, there was a disease called IBC that is now filed under an archive of past diseases because we have a cure. Hope always.

Time for Another Facelift



Yep, this will actually be my second one! At this point you’re most likely looking for a photo of me and thinking, she didn’t get her moneys worth the first time.


No, I’m not talking about my face or me; I’m talking about my website! Woman’s InSite is undergoing changes for the better. I can’t believe where I started and how fast things change but technology demands that I get mobile responsive so you all can read my site easier on your phones and tablets since we are all on the run these days.


I figure if I’m going to make a change then I’m going to change it all. I’ll have a whole new look and I know you are going to LOVE IT!


Here’s a look back at my first logo:



Here’s what I have now:

Proof4 NEW WIS logo


You’ll have to stay tuned to see what’s to come! I’ve already let you know that I’ll be having another party VERY SOON to celebrate my book, Networking: Naked & Unafraid. I think celebrating my new look will be in order as well.


Watch for details on the upcoming celebration!

If you’re not on the In List, it’s time to join so you are sure to get an invitation!


Join the In List HERE!



Why Failing Your New Year’s Resolution is Good for You



It’s that time of year again. The time when you set New Year’s Resolutions that you are determined to stick to this year.  I’m here to tell you that failing your New Year’s Resolutions is one of the best things that can happen to you. Let me explain…

What is a New Year’s Resolution?

A New Year’s Resolution is when you make a promise that you are going to improve some aspect of your life from January 1st, forward, and that it will become a permanent aspect of your life. The hope is that this one day decision will be something that alters your habits and tendencies and you never have to look back again. Pretty accurate so far? Now it’s time to fail.

How Failing Helps You Achieve Success

The best way to achieve this goal, as quickly as possible is to fail and fail often.  The reason is simple, failing is inevitable. If you look at any aspect of your life that others would consider you successful, you would probably tell them you are successful because you persevered through the many failures that life handed you.  Some of the best moms learned through trial and error. They persevered, never gave up, and learned as time went on, and they became better moms for that. No matter how far along you are, when you fail and get back up again, you will end up further ahead than when you started. Learning those valuable lessons are what makes us stronger at what we do.

The Misconception

We often look at successful people and assume they had an easy road to follow. They think that it was always easy for them, that they never had struggles, or they never wanted to give up. Odds are, they faced all of those situations…multiple times. Your trials are going to strengthen you. When you learn to persevere through a trial, you will be stronger. You will learn how to overcome that obstacle in the future, and you will figure out a way to not let it trip you up again. You have a choice every time you face a failure, but if you decide that you won’t let it beat you, you will be so much more successful in the end.

Fail and Fail Often

Fail often, but never give up. When you fail, remember that it is all a part of becoming successful. No matter how hard it seems, you can overcome the tests. In the fitness industry, I see it every February and March. People just give up, and often it is right at the point where they could be successful if they would just push a little harder. Fail, but don’t let it beat you from achieving your long term goals.

“Life’s greatest tragedy is not to fall down, its’ to stay down. The greatest disaster in life is not to fail, it’s to park there, and say ‘What’s the use?'”, Pastor Francois Louw

Are you getting enough?


How much is enough

Okay, get your minds outta the gutter here! I’m talking about water, you know, good old H2O? Whenever I hear multiple messages about the same topic I start to feel like I’m meant to pay closer attention. Like I’m being hit over the head with it. Lately I’ve been hearing a lot of people talk about how much water you should drink. I get it; most of us don’t drink enough water. In fact, most of us are actually pretty dehydrated and have habitually been in that state for a long time. I figured it was time for me to start paying attention to how much I’m drinking. And I’m not talking about wine.


According to the experts, you should drink at least half of your body weight in water. For instance, if you weigh 200 lbs. you should drink at least 100 ounces of water each day. That means almost 6, 16.9 oz. bottles of water. If you exercise or live in a warm climate, then you should drink closer to equal your body weight in ounces of water. That means 200 ounces of water if you weigh 200 pounds. It seems like A LOT! That would be 12 bottles of water.


Apparently, if you do this, your body will love you! It helps brain function, memory, mood, skin, digestion and all kinds of wonderful things about our body that we expect to miraculously work properly. Okay, I’m game.


I decided to give it a try. Even though I feel like I already drink a lot of water, I had to work my way up to my goal amount. Initially I was afraid that I’d end up spending all of my time in the bathroom due to a pea sized bladder but it actually hasn’t made that much of a difference in the number of trips to the potty. This may be TMI but it’s just increased the output, if you know what I mean. I’ve also discovered that the more water I drink, the thirstier I become. I actually WANT to drink more. WATER, folks! We’re still talking about water here.


Some of the differences that I’ve noticed so far include a bit of a breakout on my face. I know it’s a little unpleasant but it’s temporary. This is due to the toxins making their way out. After the first week, this went away and I feel like my skin is moister now. I’ve also noticed less bloating and a flatter stomach. And like I said, I’m thirsty! For water! I’m only into this about 2 weeks so I’m looking forward to even more benefits in the weeks to come.


Since we are in the holiday season and most of us tend to drink more alcohol, eat more junk, exercise less, have more stress and get less sleep, I urge to join me and do at least this one little thing to help you make it through the next few weeks. When you start thinking about that diet after new years, you’ll be glad that you did. Cheers!


Pumpkin Cheesecake by Chef Michael

Pumpkin Cheesecake


Pumpkin Cheesecake

with a

Pumpkin Spice cream cheese topping



For the crust:


1 cup Graham Cracker Crumbs

3 tbsp. Sugar

3 tbsp. butter, melted


Mix crumbs and sugar, add butter; press firmly onto bottom of a 9-inch spring form pan.

Bake at 325 degrees for 10 minutes.


For the Cheesecake:


5 – 8 oz. pkg. cream cheese, softened

1 cup granulated sugar

¼ cup light brown sugar

2 eggs

1 – 15 oz. can 100% Pure Pumpkin

1 cup sour cream

3 tbsp. all purpose flour

1 ¼ tsp. ground cinnamon

½ tsp. ground nutmeg


Beat cream cheese, sugar and brown sugar in a large mixer bowl until fluffy. Beat in eggs, pumpkin and sour cream. Add flour, cinnamon and nutmeg; beat well. Pour into crust.


Bake for 55 to 60 minutes or until edge is set but center still moves slightly. When cooled, top with cream cheese topping, optional.


For the Pumpkin Spice Cream Cheese topping:Chef Michael and Patricia


1 – 8 oz. cream cheese, softened

¼ cup confectioner’s sugar, sifted

¼ tsp. pumpkin pie spice


Combine all three ingredients and beat until fluffy.