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  • 04 May 2018 7:00 PM | Anonymous

    This article has been written by Connie Pizarro, a NAWBO Central and Northern NJ Board Member and a Certified Senior Advisor. She owns Oasis Senior Advisors, a senior referral placement service, whose mission is to positively impact families during a difficult time in their lives.

    As we know, women business owners are often challenged by caring for multiple generations of family members. Here are some tips to help you along the journey of selecting an assisted living community:

    Tour. Be sure to tour at least three communities.

    • Schedule a tour – This will allow you time to speak with the Community Relations Director and see the accommodations.  Ask as many questions as you need to understand what they have to offer your family member.
    • Show up unannounced – Visit the community again without calling ahead for a scheduled tour.  An unscheduled visit allows you to see the community in its normal state.
    • Visit in the evening – Stop by in the evening to see how the night shift functions and how after hours visits are handled.  Is there extra security? Are the doors secured?

     Cost.  Be sure to understand the full cost of joining the community.  Elements of the cost may include the room, level of care, medication management, and a community fee.  Sometimes medication management is included within the level of care.

    Location.  When choosing a location, consider these things among others:

    • Should mom/dad move from their hometown to be closer to you?  If mom/dad is at a point where they are not aware of their surroundings, then it is okay to move them closer for ease of visitation.  However, if mom/dad is aware or has friends nearby that might visit, it might be best for them to stay in their hometown and for you travel to visit them.
    • When parents reside in another state, you want to consider any benefits one state may have over another, i.e. Medicaid eligibility.

    Levels of Care.  Understand the levels of care that the community offers.  As time passes, your family member’s condition is likely to decline.  Ensure that the community can still service your family member as they age, as you don’t want to move them several times.

    Food.  Be sure to taste the food during one of your tours.  Make note if special diets can be accommodated. 

    Medicaid Policy.  What is their Medicaid policy? Do they have a spend down? What happens when funds have been depleted?

    First impressions don’t have to count. Many facilities make great first impressions with beautiful chandeliers, pretty landscaping, and calm environments, but the true character of a facility will only be revealed through frequent visits. Family members do well to talk to the professionals there about every aspect of the care provided, the facilities available, and how the residents get along. Conversations like these should leave no stone un-turned. This is vital to the well-being of a cherished older member of the family.

  • 19 Nov 2017 5:08 PM | Anonymous
    NAWBO Participates in International Council on Small Business 2017 GW October Conference

    Teresa Meares, current chair of the NAWBO Institute for Entrepreneurial Development Board and immediate past chair of the NAWBO National Board, was in Washington, D.C. in October to share her path to entrepreneurism and the NAWBO story with academics and advocates from around the world who attended the International Council on Small Business’ 2017 Conference at George Washington University.

    Joy Lutes, NAWBO National Director of Public Policy also participated on a panel discussing policies for women business owners and others in Small to Medium Enterprises (SME) with staff from the SBA and United Nations.

    As NAWBO continues to move into the international space and learn more about the state of women business owners globally, it is clear that we at NAWBO have lessons, best practices and policies we can share to lift up other women and also that we all end up facing the same challenges and need to unify our voices together for the betterment of all women business owners globally.

    According to estimates, there is a need for 600 million jobs to be created worldwide over the next 15 years.  Business owners and entrepreneurs, like all of you, will have a huge impact on the future for everyone.

    You can learn more about the conference here – http://gwoctober.com/

    JoAnn Kirby is the Chapter VP of Public Policy. If you want to be involved in this area of the organization for our chapter, please reach out to JoAnn at joann.kirbydefabio@randrealty.com 

  • 04 Oct 2017 1:50 PM | Anonymous

    I started my business, Jams by Kim, in 2009, after leaving a job at a major financial services company.  An entrepreneur friend suggested that I attend a NAWBO half-day conference. I had lots of questions and it sounded like a good thing, so I went.

    The thing about being an entrepreneur is that it can be very isolating. When I worked in a corporate environment there were so many organizations and affiliate groups to belong to, but when you own your own business, you can feel very alone.

    When I met the NAWBO women at that half-day conference, I immediately felt at home. The women business owners were so warm and welcoming, and they really cared about me. Before I left that meeting, I joined NAWBO. There were women in a wide range of industries, but they were encouraging and supportive right from the start.

    These business owners started asking questions about things that I hadn’t even thought about. They offered advice and guidance about where to go for more information, and they all offered their cards and encouraged me to contact them to follow-up.  It was an amazing experience.

    I learned so much that day. I learned about business resources, about upcoming business competitions, about NAWBO members who had skills and expertise that I would need to grow my business. I knew I was in the right place, and that I was among friends.

    Now, 8 years later, I have held several offices in my local chapter, and I know that no matter what you give, you receive more in return from your NAWBO membership.  Being an officer on the board of my local NAWBO chapter has tremendous rewards and provides the opportunity to really use your leadership and marketing skills.  Plus, you have the chance to gain and develop new skills that you need to advance your business.  I am currently the Immediate Past President of the Central and Northern NJ Chapter of NAWBO, and leading this team of business owners has been a great experience.  The exposure and the growth have helped me and my business.

    I’ve attended several national NAWBO conferences, and my business has grown.  I won multiple business competitions with help from my NAWBO sisters.  I belong to a great Mastermind group that really encourages me and keeps me moving forward.  Through NAWBO, I have learned more about marketing and promoting my business, I found a bookkeeper and a financial advisor, and I have gained some amazing friends along the way.  So many people helped me get my business off the ground, and I am always happy to share my experiences with others who are just starting out.

    Kim D. Osterhoudt, Founder and CEO

    Jams by Kim


  • 22 Aug 2017 12:46 PM | Anonymous

    Did you know that one of the members-only benefit of belonging to NAWBO is the ability to participate in a Master Mind group? 

    NAWBO members with similar objectives meet regularly to examine the activities, decisions, goals and problems that affect their businesses. By providing expertise, advice, focus, energy, understanding and support, each member can become more powerful and productive in their business. This presents a tremendous competitive advantage.

    Being a part of a NAWBO Master Mind delivers an objective and supportive board of advisers. There is a synergy of energy, commitment, and excitement that participants bring to their Master Mind. Peers offer feedback, brainstorm new possibilities, and keep each other focused and on track. MasterMind participants act as catalysts for growth and supportive colleagues in a confidential and constructive environment.

    What Will Your Members Do for You?

    • We want you to succeed so we actively root for you.
    • We listen to you with respect and without judgement.  
    • We dive into your issues and situations and help you discern the right path.
    • We share our knowledge and insights with each other.
    • We help clarify problems so that it becomes easier to find solutions
    • We encourage you to stretch yourself and your business.


    Connie Pizarro, Owner Oasis Senior Advisor

    I had no idea of the benefits that I would receive from being a part of a Mastermind Group. I now have my very own support group, cheerleaders, board of directors and advisors. My Mastermind group gives me honest feedback about my business and that helps me and my business to grow.

    Kim Osterhoudt, Founder Jams by Kim

    Mastermind has been a huge help to me in growing my business. Whenever I am challenged, my Mastermind Sisters are always there to help.  When I was concerned about making a price increase on my products, they helped me see the light and the result was one of the best things I have ever done for my business. In my Mastermind group, I get asked the hard questions and my NAWBO sisters probe and question me when I really need it. Plus, I learn about everyone else’s businesses, so I can help them too! Mastermind is a great way to bond with other women business owners, get and give great advice, and continue to learn and grow!

    Jo Ann Kirby, Better Homes and Gardens Rand Realty

    A mastermind group can make all the difference. When I realized it was time to put my business energies into a new endeavor, my mastermind sisters helped me to discern what was important, how I could best use my skills and where I would be best suited going forward. Their continued encouragement, advice and care have made all the difference in my success.

  • 12 Jul 2017 5:10 PM | Anonymous

    Jo Ann Kirby, VP of Public Policy for our chapter, reports on her participation of NAWBO Advocacy Day.

    What a jam-packed, fabulous event! The activities actually started the night before at a cocktail reception where we heard from a number of organizations about the impact of women in business and women owned businesses. A representative from the National Women’s Business Council reviewed their 2016 Annual Report with us. Here are some interesting stats: 36.3% of all privately held businesses are women owned. They have a total of 8.4 employees and $1.4 TRILLION in receipts. Here is a link to the entire report:


    There are some fascinating figures about percentages based on ethnicity and race, male vs female owned, etc. Worth the read.

    The next day it was off to Capitol Hill. We met with staffers from the Senate Small Business Committee where they shared their activities and asked for input from our members. We also met with members of Senator Tim Kaine’s staff. There were so many of us, we overflowed the meeting room; this caught the attention of Senator Kaine’s Chief of Staff who popped in to talk with us as well.

    We learned something very important this day. There is strength in numbers. If enough constituents are concerned about an issue, our law makers pay attention.

    At lunch we heard from a number of Members of Congress and Senators who are friendly to NAWBO and the needs of Women Business Owners, as well as a Tax Policy Expert from the US Chamber of Commerce. The featured speaker was Linda McMahon, the new SBA Administrator. You may also know her as owner, along with her husband, of the WWE (World Wrestling Entertainment). She exhorted us all to revel in being the Wonder Woman we are.

    In the afternoon, we met with the House Small Business Committee, in a similar format to our morning meeting.  NAWBO members voiced concerns: access to capital, the continuing lack of the federal government to reach its goal of 5% of its business to come from small businesses as well as the definition of what a small business is. For example, a manufacturing company with 1000 employees is considered a small business.

    Our members seem to be very much in favor of the “for every one new regulation, two must go”. There were concerns regarding proposed tax cuts of corporations. Since many small businesses are LLC’s , our taxes pass through to our personal returns and we would not be eligible for any of the cuts. 

    For the last meetings of the day, NAWBO members had the opportunity to meet with their own congressional members. NAWBO South Jersey had scheduled a meeting with Senator Corey Booker’s staff so fellow Chapter Member and former National President, Suzanne Pease, and I went as well, allowing our NAWBO delegation to provide a state-wide voice.

    I received a copy of NAWBO’s 2017 Public Policy Agenda. It can be found here:


    It was, overall, an amazing experience. I recommend any NAWBO member attend in the future. What goes on in Washington, what goes on in Trenton, affects us not only personally but professionally.

  • 07 Jul 2017 6:43 PM | Anonymous

    In our regular personal and business calendars, it's mid-year. But according to our NAWBO calendar, it's the start of a new year. We have recently had a wonderful planning meeting, which was attended by the new board and interested volunteers.

    Because of our expansive geography, we want to make sure we serve YOU - the member - in any way we can. We're looking at larger, regional events once a quarter so that members can cut down on driving time. On the flip side, we're planning more local meetings in the areas where our members reside. These local meetings will be casual (breakfast or lunch) but will always feature real opportunities for business growth through information sharing and relationship building.

    Some of our members either live in areas that are more remote or have schedules that don't allow them to get to our regular events. Therefore, we will build virtual events - ways to stay connected right from our homes or offices. This will certainly come in handy during the snowy seasons!

    Look for more activity from us via Facebook, where we not only have a Chapter Page that is open to the public, but we also have a members-only Closed Group. The purpose of the group is to keep our relationships going with peer support. Our Chapter Page will be all about the organization and how we can keep providing you value during your membership.

    If you have a question about NAWBO, whether it's from a chapter or national perspective, please do connect with us through Facebook.

    More social media opportunities are coming soon.

    In the meantime, please don't be shy! If you need something from NAWBO, talk to us. Reach out to us through our email communications or social media and let us know how we can help you. Sometimes we hear a member say, "I didn't get what I wanted". But how can we help you if we are not aware of what you need? So - give us a shout and tell us how we can make your membership a powerhouse of value!

    Thanks and I hope to meet each of you throughout the year,

    Susana Fonticoba

    Chapter President 2017-2018

  • 05 Apr 2013 11:00 AM | Deleted user

    National Association of Women Business Owners – Central Jersey

    Wonder Woman of NAWBO – Kim Osterhoudt

    Kim Osterhoudt, the owner of “Jams by Kim,” joined the National Association of Women Business Owners Central Jersey Chapter in 2009. After attending an event at The College of New Jersey, which was sponsored by the organization, she knew from the start that NAWBO great.­

    “I felt like it was a group I wanted to always associate with,” noted Kim. “They welcomed me and they coached and counseled and encouraged me on the road to success.”

    As a member of NAWBO, peers encouraged and helped Osterhoudt reach the road to success. Soon after joining the organization, she entered into and won the SEED (Supporting Emerging Entrepreneurial Development,) Competition, in which finalists’ business plans are judged by the amount of potential they demonstrate. The SEED Competition helps women who are in the organization to improve and grow their businesses.

    As a winner, Osterhoudt received a package of prizes and gifts that would be used to help her business, Jams by Kim. Osterhoudt’s business manufactures artisanal jams and jellies that are sold at vending events and Farmer’s Markets.

    “I make them from fruits and veggies and I even make wine jellies,” said Osterhoudt.

    Osterhoudt’s brand of jams is popular, the businesswoman even holds “Jam Sessions,” where people can taste the many different varieties of jams and jellies she produces, or even learn how to make their own jam. Her jams are also available at Bottle King Stores at the Hillsborough, Wayne, Morris Plains, Ramsey and Glen Rock locations. The stores feature seven flavors of her delectable jams, Bartlett Pear, Carrot and Ginger, Cranberry Chutney, Pepper, Raspberry, Roasted Garlic & Sweet Onion, and Strawberry & Orange Jam.

    Osterhoudt’s talent for jam making started when she was 12-years-old, when she made her first jam. “I was always in the kitchen with my mother, and I sort of took over the jams and jellies.” From there, she continued to make jams; making some and taking it with her to college, and even making it for her staff members.

    Osterhoudt’s business is 3 ½ years old and she says that it is getting better every day.

    “People would come up to me and say ‘Oh I bought your jam last year and I came back to get some more,’” said Osterhoudt. “Those kinds of things make me feel good, and encourage me to continue.”

    Osterhoudt has not only made an impact in the jam world, but she also impacts NAWBO-CJ as a valued member.

    “She was one of our SEED winners and jumped in with both feet to help the [NAWBO] chapter and her business.  I believe that's why she's been so successful,” said Helen Hogan, President of NAWBO-CJ. “And she makes the best jams in the world. My husband uses her raspberry jam on his peanut butter and jelly sandwiches.”

    Osterhoudt believes that NAWBO is the most supportive organization for women entrepreneurs. “NAWBO has helped me grow my business and grow myself. I think that any woman that is looking to start a business would benefit from NAWBO. The networking and being able to talk other women in a mastermind group– you can’t match that.”


    To learn more about Jams by Kim:

    Website: www.jamsbykim.com

    Email: info@jamsbykim.com

    Facebook: www.facebook.com/jamsbykim

    Twitter: www.twitter.com/jamsbykim

  • 08 Mar 2013 12:00 PM | Deleted user

    Not only is it Women’s History Month, but today marks the 2013 International Women’s Day, where we celebrate all of the women in the world, who are intelligent, courageous, and strong. Every year on March 8, women all over the world are honored and empowered to keep moving forward. Though it is a day of empowerment, International Women’s Day began as a protest.

    On this day in 1857, garment workers in New York City staged a protest, demanding better working conditions and higher wages.  The people were eventually broken up by police. However, the workers never gave up. 51 years later, on March 8 1908,  15,000 women held a march in New York City, demanding voting rights, better wages, shorter work hours and suffrage ( the right to vote.) Many of the protestors were European women, who had traveled to the United States seeking better opportunities. 

    In 1908 Socialist Party of America declared the last Sunday in February National Women’s day, and the first was celebrated on that day the following year in 1909. The Socialist Party ran behind the slogan “Bread and Roses,” bread symbolizing economic security and roses symbolizing better living standards. During the International Conference of Working Women in Denmark In 1910, German Socialist Clara Zetkin suggested a holiday in honor of the protesters in the United States. The proposal was approved by over 100 women from 17 different countries, however no fixed date was decided, and the holiday was celebrated on different days in March.

    As World War I loomed, many European countries observed International Women’s day on or around March 8th, where women held rallies to either protest the war or to express solidarity with other women.

    Though it started as a protest, International Women’s day has evolved into a celebration of the strength of women all over the world. The theme for the 2013 International Women's Day is: "The Gender Agenda: Gaining Momentum," which has a focus on women's rights and women's equality. There has been progress, women being able to work with decent hours, wage and safe conditions. However, it is not the same everywhere. In 2012 and now in 2013 the subject of Women’s Rights has come up many times, associated with laws on abortion, birth control and the violent acts against women that is happening in the Middle East.

    International Women’s Day isn’t necessarily just about women; it is also about peace and harmony for families everywhere. According to research conducted by the Food and Agriculture Organization of the United Nations, a child’s chances of survival increase by 20% when the mother controls the household budget. Despite this, many women still have no authority over decision making.

    Melinda Gates, the co-founder of the Bill and Melinda Gates Foundation wrote the following in an article for CNN:

    “The evidence shows that in the developing world, women play a different role than men and are more likely to take care of their family's health care and nutrition, things that children need to become productive adults and contribute to the economic and social development of societies.

    Women are more than mothers, daughters, and sisters. They are role models, and heroes.  There are more than 1000 International Women’s day events planned in various countries. Celebrate International Women’s Day today by showing your appreciation to the women and girls in your life.


    Sources and Related Articles:

    “What is International Women’s Day?” From Christian Science Monitor

    International Women’s Day 2013 official Website

    “Why We Celebrate International Women’s Day” by Melinda Gates, CNN Special Opinion Piece

    “International Women’s Day, Labor, and the Right to Strive” from Tom Watson, Forbes Contributor


  • 01 Mar 2013 1:41 PM | Deleted user

    Being a business owner, whether for a small company or a large one can be utterly exhausting. After a while, dealing with clients, meetings, budget plans and more can be stress inducing and you may find yourself lacking sleep. Despite wanting to complete as many tasks as possible in a single day, sometimes it’s better to know your limits. As a business owner, the most important investment you put into your company is you and you cannot be the best you if you don’t take care of yourself.

    Running a business may be tough, but taking care of yourself doesn’t have to be. With a few simple steps, taking care of your body and health is an easy task, and will turn out to be better for you business in the long run.

    The first step in taking care of yourself getting enough sleep during the night. Typically, when people ask how long we should sleep at night, the answer is between 8 and 10 hours. It may seem impossible for a business owner to get that much sleep with so many daily responsibilities. However, according to studies by renowned sleep researcher, Daniel Kripke, there is no real evidence supporting the 8 to 10 hour rule. In his studies, he discovered that “people who sleep between 6.5 to 7.5 hours a night live the longest, are happier, and most productive.” He also noticed that sleeping too much can be detrimental for your health. Though the appropriate sleep time for people can vary from person to person, it’s all about feeling refreshed and well-rested in the morning when you wake up. People who suffer from sleep can get work done, but lose focus much easier than those who get enough sleep.  And when sleep deprived people do lose that focus, it’s hard to regain it back.

    The second step is eating healthy and exercising. Ron Pereira, who wrote an article titled “5 Ways to Become a More Productive, Healthy, and Happy Person,” says that no matter what you do for a living, personal productivity matters.  In a study done by Brigham and Women’s Hospital and the National Cancer Institute, researchers quantified how many years of life are gained from being physically active. Harvard Medical School Professor of Medicine I-Min Lee explained:

    “We found that adding low amounts of physical activity to one’s daily routine, such as 75 minutes of brisk walking per week, was associated with increased longevity: a gain of 1.8 years of life expectancy after age 40, compared with doing no such activity…Physical activity above this minimal level was associated with additional gains in longevity. For example, walking briskly for at least 450 minutes a week was associated with a gain of 4.5 years. Further, physical activity was associated with greater longevity among persons in all BMI groups: those normal weight, overweight, and obese.”

    The final step is to know your limits. It’s always good to know when you’re just too tired or when you need a vacation. Take some time for yourself so you can relax. Find things to keep your stress levels slow, such as meditation, or even a massage. With a good amount of sleep, physical activity, healthy eating habits and taking time to relax, not only will your body be in tip-top shape. Your business will be too.



    Sources & Helpful Readings

    5 Ways to become a more Productive, Healthy, and Happy Person: http://lssacademy.com/2010/02/02/5-ways-to-become-a-more-productive-healthy-and-happy-person/

    5 Ways to Become healthier and More Balanced: http://www.hivehealthmedia.com/5-ways-healthier-balanced/

    How Much Sleep Do you Really Need to Work Productively?: http://lifehacker.com/5933568/how-much-sleep-do-you-really-need-to-work-productively

    How much Exercise is Enough?: http://news.harvard.edu/gazette/story/2012/11/how-much-exercise-is-enough/

    Your Exercise Routine: How much is Enough?: http://www.webmd.com/fitness-exercise/guide/your-exercise-routine-how-much-is-enough

  • 26 Feb 2013 3:00 PM | Deleted user
    Many people always look forward to the prospects of the New Year – it almost seems like a restart button on life. With that being said, the idea of the New Year’s resolution is popular. Almost everyone makes resolutions: promising to work hard for that beach-ready body they’ve always wanted or to help their communities. If one can start a resolution to have better health, why can’t one start a resolution for a better business? We may already be a month into the New Year, but it is never too late to start!

    To begin on the road to resolution, you should write down and outline a plan. Gray Poehler, a contributor to the Richmond Times-Dispatch says that “Writing down your goals and how you intend to accomplish them will create a road map to success.

    Though you may be well-rested and ready to take on your goals, the hardest part of having a New Year’s resolution is sticking to it. Dorie Clark, a contributor to Forbes, outlines an impressive list on “How to Make Your Business Resolutions Stick.”

    Clark’s first piece of advice is to schedule your resolution. The business world is fast-paced, but it is important to know when you want to achieve your goals. Instead of writing “Sign 10 new clients,” on that planner, write “Sign 10 new clients by next month.”

    The second piece of advice is to “create a posse.”  The important part of this bullet point is to understand and identify relationships with people ( co-workers, friends, family ) who are going to boost, energize, and support your resolution goals and those who may hinder them. Being a strong independent person is great, but it always helps to have that certain group of people that can help you stay focused and determined if you happen to run into some bumps in the road.

    Clark also says that it is important to “embrace small victories.”  All of your large-scale business resolutions may not be easy to obtain, so it is important to learn how to celebrate and be proud of smaller goals you’ve accomplished. Treating yourself to the latest electronic gadget or even a small tub of your favorite flavor of ice cream (though that could deter your aim for a slimmer figure,) it never hurts to treat yourself once in a while.

    Celebrating small victories, having a great group of friends, and planning ahead are all significant parts of a business resolution. However the biggest and most important part of following through is never giving-up. That determination and hard work is what got your business started right? Don’t let that feeling dissipate. Continue to move forward on the road to resolution until you reach your destination: a better business and a better you.




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