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Are You an Entrepreneur?

Mom & Pop StoreI grew up in an entrepreneurial family. As newlyweds, my parents owned a mom and pop grocery store. Then, dad and 3 partners started a hydraulics manufacturing factory. When dad decided that a southern climate with less pollution would be better for our health, my parents bought a 50 unit motel along US 1 in Miami, Florida. By then, dad was also learning how to invest in the stock market.

So, when I needed to earn a living, starting my own business was a no brainer. After 5 years of working in an architect’s office, telemarketing for newspapers all over the country and getting a real education working for a small business owner who sold and serviced computer equipment, I was ready to enter the entrepreneurial world.

My first company was Vision Quest, a computer services business. I had a handful of regular clients who kept me busy. When they needed help, they needed it NOW! So, when I got a call, I had to drop everything, drive to their office and solve their problem. When I left town to take care of mom, who was no longer independent, I lost my clients and closed the business.

By then, network marketing found me. For 8 years, I was a rep with Excel Communications. They provided an alternative to AT&T’s high priced, long distance service. Gradually, other services were added: Pagers, Internet Service (ISP), local phone service, 2 way pagers and an online shopping mall. I loved the technology and thought I was smart to be in a service business, rather than products.

I couldn’t have been more wrong! Today, I have a Shaklee business. I’ve been a distributor and social marketer for over 5 years. Because I work from home – Mostly online and on the phone – I’m able to take care of mom, too.

I direct market several product lines of all natural, organic and non-toxic products. And I’m building a team of health minded people who are entrepreneurs.

The more I learn about health, the more I love Shaklee. The products are top quality and priced competitively. And instead of a huge advertising budget, Shaklee pays distributors like me, a generous commission to find new customers and distributors.

Are you an entrepreneur? Visit Team Player Wanted to learn how you can become an entrepreneur in the Social Marketing world. Together we, as entrepreneurs, can change the world. Everything IS within your reach.

Marilyn Kvasnok

UPDATE: FDA Recalls Eggs for Salmonella Outbreak

The FDA has found Salmonella tainted eggs at another large egg farm in Iowa . There have now been more than 500,000,000 eggs recalled.

If you have any of the eggs listed here or on the orginal News Release, either return them to the store or throw them away.  It’s also a good idea to make sure you cook eggs completely to kill any salmonella or other bacteria.

The following is exactly the text from the FDA News Release …

salmonellaoutbreakrecallofshelleggs

UPDATE: August 20, 2010: Related nationwide recall:

Eggs from Hillandale Farms may put consumers at risk for Salmonella.

Through tracebacks conducted as part of its ongoing investigation into the increase of Salmonella Enteritidis illnesses nationwide, FDA and the State of Minnesota identified Hillandale Farms in Iowa as a second potential source of contaminated shell eggs.

Eggs affected by this latest recall are distributed under the following brand names: Hillandale Farms, Sunny Farms, and Sunny Meadow in 6-egg cartons, dozen-egg cartons, 18-egg cartons, 30-egg package, and 5-dozen cases. Loose eggs are packaged under the following brand names: Wholesome Farms and West Creek in 15 and 30-dozen tray packs. The loose eggs may also be repackaged by customers.

Eggs involved in this related recall are only eggs with the following plant numbers:
P1860 – Julian (production) numbers ranging from 099 to 230
P1663 – Julian (production) numbers ranging from 137 to 230

FDA continues to have on-site investigators at Hillandale Farms of Iowa, Inc. and Wright County Egg in Iowa.

Marilyn Kvasnok

FDA Recalls Eggs for Salmonella Outbreak

The following is exactly the text from the FDA News Release …

salmonellaoutbreakrecallofshelleggs

FDA NEWS RELEASE

For Immediate Release: August 19, 2010
Media Inquiries: Pat El-Hinnawy: 301-796-4763; patricia.el-hinnawy@fda.hhs.gov
Consumer Inquiries: 888-INFO-FDA

URGENT Nationwide Egg Recall

Eggs in Their Shells May Put Consumers at Risk for Salmonella

Fast Facts:

  • The current recall of eggs in their shells, or “shell eggs,” is part of an ongoing and intensive investigation by local, state, and federal officials into the cause of recent cases of Salmonella Enteritidis.
  • This recall affects shell eggs produced by Wright County Egg of Galt, Iowa. The eggs are packaged under different brand names and distributed nationwide.
  • The shell eggs may contain Salmonella Enteritidis (SE) and may cause serious illness.
  • Salmonella can cause serious and sometimes fatal infections in young children, frail or elderly people, and others with weakened immune systems.
  • Consumers should throw away the product or return the product to the store

What is the Problem?
An outbreak of Salmonella Enteritidis (SE) that has sickened hundreds of people across the country has led to a recall of shell eggs.

What is Being Done about the Problem?
Working closely with the Centers for Disease Control and Prevention (CDC) and state public health partners, the FDA reviewed epidemiologic and environmental investigation documents and identified 3 best-case clusters of Salmonella Enteritidis illnesses. Tracebacks revealed Wright County Egg in Iowa as the common shell egg supplier in these clusters.

On August 13, Wright County Egg voluntarily conducted a nationwide recall of shell eggs on 3 of its 5 farms. Further epidemiologic and traceback information led to Wright County Egg expanding its recall on August 18 to cover all 5 farms and 380 million eggs (according to company figures).

The Agency has activated its emergency operations command center with scientists, investigators, epidemiologists, and communication experts. In addition, the FDA deployed an initial team of 10 investigators to Wright County Egg in Iowa to inspect the farms and determine the source of the contamination. More investigators are being deployed to help on-site, looking to find the source of the contamination. Investigators are performing environmental assessments of farm conditions and practices including pest and rodent controls, biosecurity plans, environmental monitoring, sanitary controls, and feed sources..

The FDA is initiating effectiveness checks of the recall, conducting checks at retail stores, wholesalers and distributors to make sure the recalled shell eggs are being removed from the market.

The FDA is in ongoing communications with Wright County Egg to ensure that appropriate preventive measures are put in place to reduce the risk of recurrence.

What are the Symptoms of Illness?
Healthy persons infected with Salmonella often experience fever, diarrhea (which may be bloody), nausea, vomiting and abdominal pain. In rare circumstances, infection with Salmonella can result in the organism getting into the bloodstream and producing more severe illnesses such as arterial infections (infected aneurysms), endocarditis and arthritis.

Who is at Risk?
Salmonella can cause serious and sometimes fatal infections in young children, frail or elderly people, and others with weakened immune systems.

What do Consumers Need to Do?
Don’t eat recalled eggs. Consumers who have recalled eggs should discard them or return them to their retailer for a refund. Individuals who think they might have become ill from eating recalled eggs should consult their health care providers. If consumers are unsure about the source of their eggs, they are urged not to eat them and to discard them immediately.

What Does the Product Look Like?
Shell eggs under the August 13, 2010 recall are packaged under the brand names: Lucerne, Albertson, Mountain Dairy, Ralph’s, Boomsma’s, Sunshine, Hillandale, Trafficanda, Farm Fresh, Shoreland, Lund, Dutch Farms and Kemps. Shell eggs are packed in 6-egg cartons, 12-egg cartons, 18-egg cartons, and loose eggs with Julian dates ranging from 136 to 225 and plant numbers 1026, 1413 and 1946.

Recalled shell eggs affected by the expanded recall are packaged under the brand names: Albertsons, Farm Fresh, James Farms, Glenview, Mountain Dairy, Ralphs, Boomsma, Lund, Kemps and Pacific Coast. Eggs are packed in varying sizes of cartons (6-egg, 12-egg, and18-egg cartons, and loose eggs for institutional use and repackaging) with Julian dates ranging from 136 to 229 and plant numbers 1720 and 1942.

Dates and codes can be found stamped on the end of the egg carton or printed on the case label. The plant number begins with the letter P and then the number. The Julian date follows the plant number, for example: P-1720 223.

Where is it Distributed?
The recall affects eggs shipped since May 16, 2010 were sent to food wholesalers, distribution centers and foodservice companies in California, Illinois, Missouri, Colorado, Nebraska, Minnesota, Wisconsin, Arizona, Texas, Georgia, Washington, Oregon, Nevada, Utah, Arkansas, Oklahoma and Iowa.

Does FDA have the authority to inspect egg farms?
In the past, FDA has inspected egg farms under its broad authorities applicable to all food, focusing on farms linked to recalls. The egg rule, which just went into effect for large farms on July 9, 2010, provides specific requirements applicable to egg producers that will greatly facilitate compliance.

Generally, USDA is responsible for egg safety at what are called breaker plants or egg products processing facilities. In these facilities eggs are broken and pasteurized. FDA is responsible for shell egg safety and egg products once they leave the breaking facility.

For More Information:

Marilyn Kvasnok

Retirement Planning

A lot of people believe that Social Security and Medicare will finance their retirement.  But, Social Security was never meant to be a total retirement income.  We all need to fund our own retirement.  And the sooner you start, the more you’ll be able to save.  If you haven’t been able to save anything from your current income, how will you be able to live on less when you retire?  Here are some ideas to jump start your retirement nest egg.

Stop Spending
When you’ve dug yourself into a hole, the first thing to do is stop digging!  Think about your purchases and only spend what’s truly necessary.  No, a Starbucks latte is NOT necessary.

Make a Budget and Stick to it
Do you really know how much you spend?  It’s easy to see the rent/mortgage, utilities and car payment.  But, what about the impulse spending?  Keep track of every penny you spend for a month.  Sort it into categories.  At the end of the month, you’ll have a true picture of what you really spend.  Now, add all the other expenses that occur throughout the year:  Real estate tax, car insurance, homeowner’s insurance, AAA, Costco membership, credit card interest, etc.  Next, the trick is to make your expenses total less than your income.  The difference can be saved for retirement.

Pay Yourself First
Once your budget is under control, choose a savings vehicle.  I like The Vanguard Group mutual funds.  If you can’t meet the minimum contribution, start with a savings account at a bank or savings and loan.  The idea is to get the money out of your hands and put it where it will earn income, even if it’s minimal to start.  Set up an automatic monthly transfer from your checking to the savings account.  One goal would be to live on 90% of your income and save 10%.

Don’t think you can live on 90% of your income?  The Richest Man in Babylon is a short, easy to read book, written like a fable.  It has a common sense approach to saving money – No matter how much or little you make.

Roth IRA (Individual Retirement Account)
One good way to save for retirement is to open a Roth IRA.  It’s funded with after tax dollars, so it grows tax free.  That means you pay income tax on the money you deposit into the IRA account.  When you withdraw the money, it’s all tax free because you’ve paid the tax on your contribution. You can open a Roth IRA at many financial institutions, including banks, brokerage firms and mutual fund companies like The Vanguard Group.

The alternative is to open a Traditional IRA and fund it with pre-tax dollars.  It grows tax deferred, so you don’t owe tax until you withdraw the money.  But, if you contribute every year and your investment grows, you’ll have to pay tax on all the money you withdraw – Not just your contributions.

Free retirement planning info and programs:  Analyze Now!

Yahoo Finance, Financially Fit:  A Guide to Saving Smart and Living Well

Yahoo Finance, Financially Fit:  Boost Your Social Security Benefits

Social Security Administration: What You Need To Know When You Get Social Security Disability Benefits

What else can you do to plan for retirement?  Comments are welcome.

Marilyn Kvasnok


WELCOME to WSNBA’s Sizzlin’ Summer Blog Party

Women’s Speed Networking & Business Association . . .

Welcome to Health Talk Today.  My name is Marilyn and I blog about health from a Baby Boomer perspective.

This is my first Blog Party and I’m really excited to be invited. I’m looking forward to visiting all the sites of the party-goers and comment on your blogs.

Feel free to leave a comment on this post and/or any of the previous posts that you find interesting.

There is a comment link at the end of each post.
Look for “No comments yet” or “_ comments.”

Please take a minute to subscribe to the Health Talk Today newsletter.

Need a link back to the party?  Just click the WSNBA’s Sizzlin’ Summer Blog Party image.

I’ll see you all in the Speed Networking chat room next.

Marilyn Kvasnok

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