Janet Steiner
President
Thoro Packaging
1467 Davril Circle Corona, California 92880
Email: jsteiner@thoropkg.com
Phone: 951-278-2100
Fax: 951-278-2100
__________________________________________________________________
Executive Profile
Janet Steiner has been President of Thoro Packaging since 1982 when her father stepped down as President because of failing health. Held in high regard and recognized as a leader in the paperboard packaging industry, Janet Steiner is at the helm of one of the most innovative folding carton companies today. Janet has led Thoro in meeting or exceeding customer requirements with exemplary customer service and state-of-the-art manufacturing facilities for approximately twenty-five years. Janet’s success is driven by her father’s vision of quality and customer satisfaction.
By establishing a quality culture that attracts and retains talented employees, Thoro can boast that about half of their personnel have been employees on an average of eight years. Some Thoro employees are approaching their twenty and thirty-year anniversaries. As the 1995 President and current member of the Pacific Coast Paper Box Manufacturers’ Association, Janet is also a current member of the Board of Directors of the Paperboard Packaging Council, the Corona Chamber of Commerce and past president of the Corona Manufacturers Council.
With over two decades of pioneering achievements, Janet Steiner sets no limits to the capabilities of her employees and Thoro Packaging. She has the ability to be a visionary and to stay two steps ahead of the latest business trends.
###
Saturday, February 9, 2008
Thursday, February 7, 2008
Networking is a Garden
Networking is a Garden
By Amy Boyd
Networking is like planting and tending a garden. As a small business owner you can choose to play it safe and stay in your comfort zone, but just like a garden that is shaded and protected the business cannot grow to its full potential. Networking is a way to bring your small business out into the warmth of the sun and succulence of the rain so it can establish a strong root system, spread its leaves and grow into an abundant garden with substance.
Think of the business cards you give out and receive from others as seeds and seedlings that help you establish your garden. Attending regular networking events lets you water those seeds as you build relationships with the individuals that you meet. Without a regular supply of water a garden will wither and die.
Your business also needs nutrients and fertilizing just as you need to feed a garden. Setting up meetings, having coffee or lunch with individuals you have met through networking events not only helps you learn more about the other individual’s business, but it gives you an opportunity to tell them more about your business. Asking and answering questions helps clarify your business and theirs so that you learn how you can work together to grow each other’s business.
Weeding is also essential to the health of your garden. As you gather business cards from other individuals you may find that you have so many cards it’s a little overwhelming, just like the weeds choking your garden. Sort though your cards identifying those that are ideal strategic partners or provide services you and your business may need. Toss out any cards that just take up space and provide no value to your business.
Topics presented at many networking events are like adding ladybugs to your garden. They help keep your garden healthy and free of various forms of parasites, whether it’s establishing a personal brand, wading through complex employment law, or optimizing your website. And don’t forget the butterflies. These are individuals that may not work directly with you or your business, but they have had the opportunity to get to know you at the networking events and are out there germinating your plants by telling others about you and your business.
So come to the next NAWBO-IE meeting and help your garden grow.By Amy Boyd
Networking is like planting and tending a garden. As a small business owner you can choose to play it safe and stay in your comfort zone, but just like a garden that is shaded and protected the business cannot grow to its full potential. Networking is a way to bring your small business out into the warmth of the sun and succulence of the rain so it can establish a strong root system, spread its leaves and grow into an abundant garden with substance.
Think of the business cards you give out and receive from others as seeds and seedlings that help you establish your garden. Attending regular networking events lets you water those seeds as you build relationships with the individuals that you meet. Without a regular supply of water a garden will wither and die.
Your business also needs nutrients and fertilizing just as you need to feed a garden. Setting up meetings, having coffee or lunch with individuals you have met through networking events not only helps you learn more about the other individual’s business, but it gives you an opportunity to tell them more about your business. Asking and answering questions helps clarify your business and theirs so that you learn how you can work together to grow each other’s business.
Weeding is also essential to the health of your garden. As you gather business cards from other individuals you may find that you have so many cards it’s a little overwhelming, just like the weeds choking your garden. Sort though your cards identifying those that are ideal strategic partners or provide services you and your business may need. Toss out any cards that just take up space and provide no value to your business.
Topics presented at many networking events are like adding ladybugs to your garden. They help keep your garden healthy and free of various forms of parasites, whether it’s establishing a personal brand, wading through complex employment law, or optimizing your website. And don’t forget the butterflies. These are individuals that may not work directly with you or your business, but they have had the opportunity to get to know you at the networking events and are out there germinating your plants by telling others about you and your business.
So come to the next NAWBO-IE meeting and help your garden grow.
By Amy Boyd
Networking is like planting and tending a garden. As a small business owner you can choose to play it safe and stay in your comfort zone, but just like a garden that is shaded and protected the business cannot grow to its full potential. Networking is a way to bring your small business out into the warmth of the sun and succulence of the rain so it can establish a strong root system, spread its leaves and grow into an abundant garden with substance.
Think of the business cards you give out and receive from others as seeds and seedlings that help you establish your garden. Attending regular networking events lets you water those seeds as you build relationships with the individuals that you meet. Without a regular supply of water a garden will wither and die.
Your business also needs nutrients and fertilizing just as you need to feed a garden. Setting up meetings, having coffee or lunch with individuals you have met through networking events not only helps you learn more about the other individual’s business, but it gives you an opportunity to tell them more about your business. Asking and answering questions helps clarify your business and theirs so that you learn how you can work together to grow each other’s business.
Weeding is also essential to the health of your garden. As you gather business cards from other individuals you may find that you have so many cards it’s a little overwhelming, just like the weeds choking your garden. Sort though your cards identifying those that are ideal strategic partners or provide services you and your business may need. Toss out any cards that just take up space and provide no value to your business.
Topics presented at many networking events are like adding ladybugs to your garden. They help keep your garden healthy and free of various forms of parasites, whether it’s establishing a personal brand, wading through complex employment law, or optimizing your website. And don’t forget the butterflies. These are individuals that may not work directly with you or your business, but they have had the opportunity to get to know you at the networking events and are out there germinating your plants by telling others about you and your business.
So come to the next NAWBO-IE meeting and help your garden grow.By Amy Boyd
Networking is like planting and tending a garden. As a small business owner you can choose to play it safe and stay in your comfort zone, but just like a garden that is shaded and protected the business cannot grow to its full potential. Networking is a way to bring your small business out into the warmth of the sun and succulence of the rain so it can establish a strong root system, spread its leaves and grow into an abundant garden with substance.
Think of the business cards you give out and receive from others as seeds and seedlings that help you establish your garden. Attending regular networking events lets you water those seeds as you build relationships with the individuals that you meet. Without a regular supply of water a garden will wither and die.
Your business also needs nutrients and fertilizing just as you need to feed a garden. Setting up meetings, having coffee or lunch with individuals you have met through networking events not only helps you learn more about the other individual’s business, but it gives you an opportunity to tell them more about your business. Asking and answering questions helps clarify your business and theirs so that you learn how you can work together to grow each other’s business.
Weeding is also essential to the health of your garden. As you gather business cards from other individuals you may find that you have so many cards it’s a little overwhelming, just like the weeds choking your garden. Sort though your cards identifying those that are ideal strategic partners or provide services you and your business may need. Toss out any cards that just take up space and provide no value to your business.
Topics presented at many networking events are like adding ladybugs to your garden. They help keep your garden healthy and free of various forms of parasites, whether it’s establishing a personal brand, wading through complex employment law, or optimizing your website. And don’t forget the butterflies. These are individuals that may not work directly with you or your business, but they have had the opportunity to get to know you at the networking events and are out there germinating your plants by telling others about you and your business.
So come to the next NAWBO-IE meeting and help your garden grow.
The Balancing Act
The Balancing Act
When I first decided that I would venture out on my own, far away from the security of a regular paycheck from Uncle Sam, I spent a considerable amount of time determining what values would form the foundation of my new business venture. It’s important to recognize, identify and intentionally form colorful connections – always surrounding yourself in business and in life with people who want what is truly best for you and tell you what you need to hear, not necessarily what you want to hear.
When the design was complete and the concrete was being poured, the foundation of Upside Thinking, Inc. rested on three solid principles – 1) Prioritize Your Life with Health & Self first; Family second and Work third; 2) Everyone desires happiness, success and meaning; 3) You are…where you choose to be. Throw a little quantum physics in there and you’ve got the secret recipe for Upside Thinking, Inc. When I determine whether to work with a client, I make my decision based on whether they are in agreement and alignment with those principles.
Because I’m often asked about principle #1 by many of my faith-based friends who argue that God should come first on my list, let me explain that after 18 years of parochial schooling and participating in ministry work for most of my adult life, my spirituality and faith journey are part of who I am and cannot separated from the self category. It’s like saying I failed to include breathing on my list of priorities. To further define principle #1, if you don’t take care of your health and put your self first, you can not properly give to your family (or your work). If you have unmet needs in your family, you cannot adequately give to your work. And, if you ignore the work/life balance, self, family and/or work will suffer.
How often do you or one of your loved ones work more than 45 hours per week? Long work days and little or no vacation has become commonplace in the United States. Many Americans are “unbalanced”, believing their work is an investment in their future, hoping to retire earlier or reward themselves later. However, regardless of your socio-economic standing or family background, each one of us receives the same 24 hour allotment per day. Additionally, there is no guarantee that “later” will ever arrive and, if it does, it may not be packaged the way we might have expected. Therefore, treasure each moment and understand it is a gift – that’s why it’s called the present!
Life is a balancing act. I encourage you to think about where you are spending your quality time – the best hours of your day -- and financial resources, as this will determine what you value and have made a priority in your life. If you don’t like where you are, make the decision to do what it takes to make the necessary changes in your life right now. Start small and ask someone you trust to hold you accountable. You don’t know who to ask? Then, hire a coach to guide and assist you in your transformation. Remaining balanced is an investment with an immediate payoff, not just for ourselves but for our family and friends – everyone within our sphere of influence -- and the rewards are the joy peace that come from being truly centered.
(Excerpt from Lisa Marie’s book Designing Your Destiny: Achieving Personal and Professional Success through Upside Thinking)
When I first decided that I would venture out on my own, far away from the security of a regular paycheck from Uncle Sam, I spent a considerable amount of time determining what values would form the foundation of my new business venture. It’s important to recognize, identify and intentionally form colorful connections – always surrounding yourself in business and in life with people who want what is truly best for you and tell you what you need to hear, not necessarily what you want to hear.
When the design was complete and the concrete was being poured, the foundation of Upside Thinking, Inc. rested on three solid principles – 1) Prioritize Your Life with Health & Self first; Family second and Work third; 2) Everyone desires happiness, success and meaning; 3) You are…where you choose to be. Throw a little quantum physics in there and you’ve got the secret recipe for Upside Thinking, Inc. When I determine whether to work with a client, I make my decision based on whether they are in agreement and alignment with those principles.
Because I’m often asked about principle #1 by many of my faith-based friends who argue that God should come first on my list, let me explain that after 18 years of parochial schooling and participating in ministry work for most of my adult life, my spirituality and faith journey are part of who I am and cannot separated from the self category. It’s like saying I failed to include breathing on my list of priorities. To further define principle #1, if you don’t take care of your health and put your self first, you can not properly give to your family (or your work). If you have unmet needs in your family, you cannot adequately give to your work. And, if you ignore the work/life balance, self, family and/or work will suffer.
How often do you or one of your loved ones work more than 45 hours per week? Long work days and little or no vacation has become commonplace in the United States. Many Americans are “unbalanced”, believing their work is an investment in their future, hoping to retire earlier or reward themselves later. However, regardless of your socio-economic standing or family background, each one of us receives the same 24 hour allotment per day. Additionally, there is no guarantee that “later” will ever arrive and, if it does, it may not be packaged the way we might have expected. Therefore, treasure each moment and understand it is a gift – that’s why it’s called the present!
Life is a balancing act. I encourage you to think about where you are spending your quality time – the best hours of your day -- and financial resources, as this will determine what you value and have made a priority in your life. If you don’t like where you are, make the decision to do what it takes to make the necessary changes in your life right now. Start small and ask someone you trust to hold you accountable. You don’t know who to ask? Then, hire a coach to guide and assist you in your transformation. Remaining balanced is an investment with an immediate payoff, not just for ourselves but for our family and friends – everyone within our sphere of influence -- and the rewards are the joy peace that come from being truly centered.
(Excerpt from Lisa Marie’s book Designing Your Destiny: Achieving Personal and Professional Success through Upside Thinking)
Over 30? Questions You Should Ask Yourself
Over 30? Questions You Should Ask Yourself
Could you retire comfortably on $1,250? Unfortunately, Social Security statistics show that Social Security provides 89% of the majority of retirement income with the average income only $13,500 per year. Only 2% will be self-sustaining. 23% will still be working, 30% will be partially dependent on charity, and the remaining 45% will be partially dependent on relatives.
Should I depend on Social Security to fund the majority of my retirement? I was asked that question the other day. As a REALTOR® who helps people build wealth through land banking, I had to answer emphatically “No”! The prognosis is bleak for the social security fund. On the front page of our semi-annual statement it clearly states:
Ø 2017 – The agency will begin paying out more in benefits than it collects in revenue.
Ø 2027 – The agency will have to tap the principal in its “trust fund” to meet its monthly obligations.
Ø 2041 – The trust fund will be exhausted, at which point the agency will be able to pay only about 75% of promised benefits.
Need I say more!
How much would I need to be self-sustaining in my retirement?
Everyone should take a hard look at what they want out of retirement, whether it is time with the grandkids, travel, and/or the pursuit of all those fun hobbies and sports you never had time for. Then add in all the basics: food, lodging, medical expenses, transportation, etc. Try to calculate your life span. You do not want to out live your money! From there you should be able to come up with an estimate. Once you have a monthly figure the following numbers should help you estimate the funds you would need to accumulate by retirement
Assuming a 4% return annually on cash
Ø $1,200,000 would return an average net monthly income of $3,000
Ø $2,000,000 would return an average net monthly income of $5,000
Ø $2,800,000 would return an average net monthly income of $7,000
Ø $4,000,000 would return an average net monthly income of $10,000
Of course you also need to allow for inflation, see below for help to calculate this.
What will my dollars saved today be worth when I am ready to retire? We have all heard of inflation, it erodes the value of our dollar everyday. The sad mostly unknown fact is that the annual inflation rate calculated by the government does not include food and energy. If they were to include those items the inflation rate would average two to three points higher. This is what to expect from inflation on the buying power of your dollars. Remember to include the extra points for food and energy, both essential to survival, don’t you think?
Ø An inflation of 3% doubles the cost of your living expenses in 23 years.
Ø An inflation of 5% doubles the cost of your living expenses in 15 years.
How long will it take my money to grow?
Most people don’t realize that growth is the key to investment potential. Everyone should look at how much they have already put aside, how much they are currently able to contribute each year and how long before they retire. Then they need to take a good long look at the growth rate of their current investments. The growth rate makes all the difference. If you are averaging10% growth a year, it will take seven years for your money to double. However, if your growth rate is 20% it only takes 3.6 years for your money to double. Growth is the key to investment potential, in this case the old adage “time is money” does not apply---“time is money lost” is more appropriate.
Should I make some changes in my retirement plan?
At this point you are either patting yourself on the back for already have planned and built a retirement portfolio or you are scared to death. Either way, speaking to professionals and examining thoroughly all the investment options in this changing market is always the best choice.
Utilizing federal tax rule 408B and rolling your IRAS, ROTHs or 401Ks into self-directed accounts and buying carefully selected California Real Estate is one of those investment options. As a real estate broker representing the land portfolio of the 34 year old company, Ace Capital Group, I help individuals utilize a better growth vehicle for long term appreciation. I would love to meet with you, review your current situation and give you all the details of what has been working extremely well for our over 10,000 clients. Please do not hesitate to email or call me with questions. To examine these issues in depth please set your own private appointment. I am available at your convenience.
Debra Madore, REALTOR ®
Ace Capital Group
DMadore@AceCapGroup.com
Cell 951 347 3602
Fax 951 734 7152
Could you retire comfortably on $1,250? Unfortunately, Social Security statistics show that Social Security provides 89% of the majority of retirement income with the average income only $13,500 per year. Only 2% will be self-sustaining. 23% will still be working, 30% will be partially dependent on charity, and the remaining 45% will be partially dependent on relatives.
Should I depend on Social Security to fund the majority of my retirement? I was asked that question the other day. As a REALTOR® who helps people build wealth through land banking, I had to answer emphatically “No”! The prognosis is bleak for the social security fund. On the front page of our semi-annual statement it clearly states:
Ø 2017 – The agency will begin paying out more in benefits than it collects in revenue.
Ø 2027 – The agency will have to tap the principal in its “trust fund” to meet its monthly obligations.
Ø 2041 – The trust fund will be exhausted, at which point the agency will be able to pay only about 75% of promised benefits.
Need I say more!
How much would I need to be self-sustaining in my retirement?
Everyone should take a hard look at what they want out of retirement, whether it is time with the grandkids, travel, and/or the pursuit of all those fun hobbies and sports you never had time for. Then add in all the basics: food, lodging, medical expenses, transportation, etc. Try to calculate your life span. You do not want to out live your money! From there you should be able to come up with an estimate. Once you have a monthly figure the following numbers should help you estimate the funds you would need to accumulate by retirement
Assuming a 4% return annually on cash
Ø $1,200,000 would return an average net monthly income of $3,000
Ø $2,000,000 would return an average net monthly income of $5,000
Ø $2,800,000 would return an average net monthly income of $7,000
Ø $4,000,000 would return an average net monthly income of $10,000
Of course you also need to allow for inflation, see below for help to calculate this.
What will my dollars saved today be worth when I am ready to retire? We have all heard of inflation, it erodes the value of our dollar everyday. The sad mostly unknown fact is that the annual inflation rate calculated by the government does not include food and energy. If they were to include those items the inflation rate would average two to three points higher. This is what to expect from inflation on the buying power of your dollars. Remember to include the extra points for food and energy, both essential to survival, don’t you think?
Ø An inflation of 3% doubles the cost of your living expenses in 23 years.
Ø An inflation of 5% doubles the cost of your living expenses in 15 years.
How long will it take my money to grow?
Most people don’t realize that growth is the key to investment potential. Everyone should look at how much they have already put aside, how much they are currently able to contribute each year and how long before they retire. Then they need to take a good long look at the growth rate of their current investments. The growth rate makes all the difference. If you are averaging10% growth a year, it will take seven years for your money to double. However, if your growth rate is 20% it only takes 3.6 years for your money to double. Growth is the key to investment potential, in this case the old adage “time is money” does not apply---“time is money lost” is more appropriate.
Should I make some changes in my retirement plan?
At this point you are either patting yourself on the back for already have planned and built a retirement portfolio or you are scared to death. Either way, speaking to professionals and examining thoroughly all the investment options in this changing market is always the best choice.
Utilizing federal tax rule 408B and rolling your IRAS, ROTHs or 401Ks into self-directed accounts and buying carefully selected California Real Estate is one of those investment options. As a real estate broker representing the land portfolio of the 34 year old company, Ace Capital Group, I help individuals utilize a better growth vehicle for long term appreciation. I would love to meet with you, review your current situation and give you all the details of what has been working extremely well for our over 10,000 clients. Please do not hesitate to email or call me with questions. To examine these issues in depth please set your own private appointment. I am available at your convenience.
Debra Madore, REALTOR ®
Ace Capital Group
DMadore@AceCapGroup.com
Cell 951 347 3602
Fax 951 734 7152
Voluntary Benefits Provide Options Amid Rising Health Care Costs
Voluntary Benefits Provide Options Amid Rising Health Care Costs
Women represent 51 percent of the population in the United States and nearly 47 percent of the labor force. As of 2006, there were an estimated 10.4 million privately-held firms in the United States in which women were half or majority owners. Women businesses account for 70 percent of all new businesses opened over the past decade. They generate $1.9 trillion in annual sales, employ 12.8 million people and spend an estimated $546 billion annually on salaries and benefits.
Despite this growing financial success among women, the increasing cost of health care, can be a major concern for female consumers as they look for ways to balance routine expenses with the rising price of medical treatment. The apprehension of coping with mounting living expenses is not limited to employees alone. Business owners may also distress over how to handle rising costs, so they too are searching for options that will reduce their operating expenses. An overwhelming concern for women in both groups is the continuing spike in health care costs.
For more than 50 years, Aflac has provided guaranteed-renewable insurance policies for millions of people worldwide. Aflac’s voluntary benefits can offer two major advantages for businesses and their employees. First, we all know employees who have switched jobs for the same pay but greater benefits. Adding voluntary benefits can help recruit and retain employees by bolstering benefit packages at little to no cost to the business. Second, Aflac policies can provide added-value for businesses of all sizes from small companies with as little as three employees to large corporations with a huge workforce.
Voluntary benefits provide a cost-efficient way for employees to cope with rising health care costs while also presenting them with more options for obtaining quality medical care and covering their routine expenses in case of an untimely medical event.
Few American workers have the recommended three months of personal savings to cover living expenses in case of a rainy day. Making Aflac’s voluntary benefits available to your employees is not only a great way to assist in recruiting top talent, it can also help your workers with financial planning, allowing them to be better prepared to handle expenses incurred from an unexpected health emergency.
Aflac’s voluntary benefits are paid directly to the policy holder and can be used toward expenses like co-payments, mortgage, groceries, and car payments while employees are away from work recovering from an injury or illness. And the policies are portable, which means policyholders can take the same benefits at the same premium if they change jobs.
Whether a new entrepreneur recruiting your first employee, or a seasoned businesswoman looking for ways to enhance your benefit offerings, Aflac products can help you in managing health care costs while providing added-value for your workforce.
Janice Baxter is an Aflac Agent in the Southern California region. For more information about voluntary benefits, please call Aflac’s Customer Service Center at 1-800-992-3522 or (909) 225-0806, or visit aflac.com.
SOURCE: U.S. Census Bureau
Women represent 51 percent of the population in the United States and nearly 47 percent of the labor force. As of 2006, there were an estimated 10.4 million privately-held firms in the United States in which women were half or majority owners. Women businesses account for 70 percent of all new businesses opened over the past decade. They generate $1.9 trillion in annual sales, employ 12.8 million people and spend an estimated $546 billion annually on salaries and benefits.
Despite this growing financial success among women, the increasing cost of health care, can be a major concern for female consumers as they look for ways to balance routine expenses with the rising price of medical treatment. The apprehension of coping with mounting living expenses is not limited to employees alone. Business owners may also distress over how to handle rising costs, so they too are searching for options that will reduce their operating expenses. An overwhelming concern for women in both groups is the continuing spike in health care costs.
For more than 50 years, Aflac has provided guaranteed-renewable insurance policies for millions of people worldwide. Aflac’s voluntary benefits can offer two major advantages for businesses and their employees. First, we all know employees who have switched jobs for the same pay but greater benefits. Adding voluntary benefits can help recruit and retain employees by bolstering benefit packages at little to no cost to the business. Second, Aflac policies can provide added-value for businesses of all sizes from small companies with as little as three employees to large corporations with a huge workforce.
Voluntary benefits provide a cost-efficient way for employees to cope with rising health care costs while also presenting them with more options for obtaining quality medical care and covering their routine expenses in case of an untimely medical event.
Few American workers have the recommended three months of personal savings to cover living expenses in case of a rainy day. Making Aflac’s voluntary benefits available to your employees is not only a great way to assist in recruiting top talent, it can also help your workers with financial planning, allowing them to be better prepared to handle expenses incurred from an unexpected health emergency.
Aflac’s voluntary benefits are paid directly to the policy holder and can be used toward expenses like co-payments, mortgage, groceries, and car payments while employees are away from work recovering from an injury or illness. And the policies are portable, which means policyholders can take the same benefits at the same premium if they change jobs.
Whether a new entrepreneur recruiting your first employee, or a seasoned businesswoman looking for ways to enhance your benefit offerings, Aflac products can help you in managing health care costs while providing added-value for your workforce.
Janice Baxter is an Aflac Agent in the Southern California region. For more information about voluntary benefits, please call Aflac’s Customer Service Center at 1-800-992-3522 or (909) 225-0806, or visit aflac.com.
SOURCE: U.S. Census Bureau
Subscribe to:
Posts (Atom)