Mary Kay Cosmetics. Kimberly Cavarretta Cadillac Senior Sales Director 5915 Royal Country Ct. St. Louis, MO Phone:

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1 Kimberly Cavarretta Cadillac Senior Sales Director 5915 Royal Country Ct. St. Louis, MO Phone: Congratulations! You're now the husband of a new Mary Kay Independent Beauty Consultant! This is a very exciting time because it is the sixth year in a row that Mary Kay has been named the best-selling brand of facial skin care and color cosmetics in the United States based on the most recently published industry sales data. Mary Kay stresses that "a woman is a woman and a half with her husband behind her." We know that your wife is going to have that opportunity. Most people begin a career with Mary Kay to make extra money! However, because of the great opportunity to help others, your wife can gain a tremendous amount of self-satisfaction from her career Her new career could provide anything from a little extra spending money to a business from which the entire family can benefit. A Mary Kay career offers the flexibility to fit your goals and lifestyle. The sky is the limit! My own experience has taught me improved time management. As a result, not only has our life improved financially, but the quality of life as a wife, mother, and "home engineer" has created a hidden bonus for all involved. Mary Kay has given us the opportunity to send Phil through Chiropractic College, allowed me to quit two full time jobs and allow Phil to retire from practice and work full time with me! We have been blessed with trips to Switzerland (twice), Italy, Paris, Portugal, Spain and Maui! Weekly and daily activity is vitally important to any business. Please encourage your wife to attend all her business meetings it is the LIFELINE to keeping a positive attitude, learning and being productive each week. "Teaching skin care" is a business, and we never stop learning. Inventory is a decision you both may jointly consider. Women average spending between $500 - $1,000 annually on personal care products. (Your wife's personal purchases are now at wholesale cost!) It is really, beneficial to begin any business with merchandise, and Mary Kay is no exception. Having to deliver product here and there wastes time, gas, and ultimately money. The best way to start is on a profit level with borrowed capital from the bank or credit card. Her monthly payment will be made from her profits each month, that way no interfering with the family budget. However your wife starts her business, it is my role to teach her how to sell the products and manage her money wisely. I look forward to meeting you in the near future. If you have any questions concerning the Mary Kay opportunity, please contact me. Also, feel free to join us at any of our unit functions. We are looking forward to sharing with you your wife's steps up the ladder of success! Her belief in herself, coupled with your belief, can help your wife achieve whatever she desires for her Mary Kay career and family! Sincerely, Kimberly Cavarretta Senior Sales Director Phone: Mary Kay Cosmetics

2 did not make a single payment all year, it would only take 4 - $200 shows to overcome the interest cost. That is less than one show every three months. Let s say that you and your spouse had $4800 to invest. You are a Mary Kay Beauty Consultant and invest your half ($2400) into inventory and your spouse invests the other half into a money market CD, which allows you to get your money with 90 day notice currently earning 4% interest. Bank Investment $2400 Investment + $96 Interest $2496 Total Re- Mary Kay Inventory $2400 Products + $100 Profit $2500 Total Re- Take $2400 Invest into MM CD for 1 year Take $2400 Invest into Mary Kay Product for 1 year Why Be a Minimum Thinker? What you can expect from your classes and reorder business after 1 year WHICH IS THE BETTER INVESTMENT? Let s pretend this stayed in MM CD for 1 Year. Let s pretend that you never put out a facial box, never went to a success meeting, never passed out a beauty book, never told anyone at work, never told anyone you were in Mary Kay not even your mother! For 364 days you just started at your inventory, labeled it, dusted it, and rearranged it. However, on the 365th. day you held a show and easily sold $200 over the dining room table! WHICH INVESTMENT YIELDED A GREATER RETURN? At each beauty class there ranges 3-6 people. The average is 4. The average sales are $ per class. We retain 85% of our customers. The average reorder per customer each year is $ CLASSES PER WEEK 425 Customers end of first year Profit from classes $21, ($1,820/mo.) Profit from reorders $26, ($2,213/mo.) $48, per year 4 CLASSES PER WEEK 340 Customers end of first year Profit from classes $17, ($1,456/mo.) Profit from reorders $15, ($1,768/mo.) $38, per year 3 CLASSES PER WEEK 255 Customers end of first year Profit from classes $15, ($1,092/mo.) Profit from reorders $13, ($1,326/mo.) $29, per year 2 CLASSES PER WEEK 170 Customers end of first year Profit from classes $10, ($728/mo.) Profit from reorders $ 8, ($885/mo.) Despite the fact that you sold $0 for an entire year until New Years Eve, the return is the same. What if you had facialed your neighbor, coworker and some of her friends, or your child s teacher? For every $200 show you would double your return compared to the Money Market account. IS YOUR MONEY WORK- ING FOR YOU? Even if you had to borrow the $2400 at 18% and $19, per year 1 CLASS PER WEEK 85 Customers end of first year Profit from classes $5, ($364/mo.) Profit from reorders $4, ($442/mo.) ALL THINGS CONSIDERED YOUR BEST INVESTMENT IS IN YOUR BUSINESS!

3 YOU MUST UNDERSTAND WHAT REAL DEBT REALLY IS! by Robert Schuller What, after all, is debt? Fresh out of the seminary, newly married and just installed as pastor of my first church, I was earning a little over $200 a month. When winter approached, I needed coal for the furnace. I went to the coal yard and asked how much coal l would have to buy, how much it would cost and if I could charge it. "About five tons. It will cost you $75, and we will not charge it, Reverend. You'll have to borrow the money somewhere for we don't give credit on coal." And that was that. So, I went to ask for a loan for $65 for the coal. The banker gave me a valuable lesson in economics. "I'll lend you the money for coal this time, but never again. When you borrow money for coal, you are going into debt. The coal will be burned. When it is gone, if you are unable to pay your loan, there is nothing you can sell to pay us back. When you borrow money for coal, or food, or the light bill, or the water bill, you are spending money that is gone forever. This is real debt! If you want to borrow money to buy a car or a house, we will lend you the money. Then you are not going into debt; you are going into the Investment business. If you cannot pay off your auto loan, you can sell the car, pay us back what we have coming, and any money you have left is your return on your investment. If you borrow money to buy a store and you borrow money for saleable goods to put on to the shelves, you are not in debt, you are in business. If you cannot pay off your loan, we sell the store and the goods; and if there is money left over after we are repaid, you can have the profit from your investment. If you have no money left over after paying off the loan, you haven't made any money. It's that simple! It was this advice which was to give me greater courage years later when starting our new church. How long would it take to collect the money from surplus offerings? Perhaps 20 years! So we decided to borrow the money. When finished, the entire development was valued at $1 million. Nearly $600,000 was borrowed money. Someone said to me about that time, "I hear you folks have a debt of $600,000." I corrected him, "Actually we have no debt. We could sell our property for a million dollars, pay off all mortgages, and have $400,000 in the bank. We don't have a debt. We're worth almost half a million dollars!" So it is with your Mary Kay business!...

4 NEW CONSULTANTS OR THOSE BUILDING THEIR INVENTORY CHECK OUT THE FOLLOWING INFORMATION!!! BASED ON 10% INTEREST FOR 36 MONTHS!! DAILY INTEREST IS PENNIES A DAY!! BE AN INDEPENDENT BEAUTY CONSULTANT!!! INTEREST MONTHLY (WEEKLY) PAYMENT MONTHLY (WEEKLY) LOAN AMOUNT = WHOLESALE (RETAIL) + TAX ON RETAIL + SUPPLIES & MISC. $19.31 ($ 4.46) $ ($ 32.02) $ = $ ($ ) + $ $ $16.16 ($ 3.73) $ ($ 26.81) $ = $ ($ ) + $ $ $13.01 ($ 3.00) $93.57 ($21.59) $ = $ ($ ) + $ $ $9.88 ($ 2.28) $70.99 ($ 16.38) $ = $ ($ ) + $ $ $6.73 ($ 1.55) $48.40 ($ 11.17) $ = $ ($ ) + $ $ $3.59 ($ 1.83) $25.81 ($ 5.96) $ = $ ($ ) + $ $ IT ALL ADDS UP TO MONEY IN YOUR POCKET Example: Difference between a $3600 Wholesale Order and a $600 Wholesale Order is just $15.72 Monthly or $2.63 Weekly More in "expenses" or "interest". By not having the product for your customers you will end up spending more in gas or mailing product to them once the order comes in. Plus that means another night or two away from home to deliver the product. Running the Rat Race Which is Better for You? Cool & Calm

5 REASONS WHY YOUR WIFE SHOULD DO MARY KAY FOR THE REST OF HER LIFE!!! #10 WHILE SHE HOLDS MONDAY NIGHT SALES MEETINGS, YOU CAN WATCH MONDAY NIGHT FOOTBALL AND EVEN CONTROL THE REMOTE! #9 ALL THE MAKEUP SHE WILL BUY ANYWAY, WILL BE 1/2 PRICE FOR THE REST OF HER LIFE! #8 THE PHONE BILL FOR TALKING TO HER MOTHER WILL BE TAX DEDUC- TAABLE PROVIDED SHE RECRUITS HER MOTHER INTO MARY KAY! #7 HER CAR INSUARNCE WILL BE ON MARY KAY FLEET POLICY-SO HER DRIVING RECORD WON T IMPACT YOUR PREMIUMS! #6 WITH MARY KAYFLEXIBILITY, YOU LL NEVER HAVE TO PICK UP THE KIDS AGAIN! #5 WITH 50% GROSS PROFIT MARGIN, SHE CAN SURELY BUY YOU THAT BASS BOAT OR NEW SET OF CALLAWAY GOLF CLUBS. #4 HERE S A FORMULA: SHE WINS A FREE CAR... THEN TAKES HER OLD CAR PAYMENT + YOUR OLD CAR PAYMENT=NEW CUSTOMIZED SUBURBAN FOR YOU!! #3 NEVER HAVE TO PLAN OR PAY FOR A VACATION AGAIN BECAUSE MARY KAY SENDS YOU ON TRIPS AROUND THE WORLD (ALL EXPENSES PAID) AND SHE HAS TO TAKE YOU! #2 MAKE A SIX FIGURE INCOME (MORE WOMEN MAKE OVER $100,000 THAN ANY OTHER COMPNAY) SO YOU CAN RETIRE EARLY! #1 BECAUSE YOU LOVE HER AND WOULD SUPPORT HER IN WHATEEVER SHE PURSUED-JUST AS SHE WOULD FOR YOU!!