.. L.....!...!...!.....!...........!.................!.........................R #.=.##" #"#erpr:ses Ltd. First NA Seria! Rights ----##ge 1 - DCO Approximate|y 700 words DIET-CARRY-OUT, LTD. Written by June Grayson, Photographed by Richard Grayson Wheî  Dr®  Suttoî  askeä  hió wifå tï he!ð  hií  motivatå ####i.!#.#..#i##obese#patients to lose weight, he didn't rea1ize that she would start a business that has the potentia! for going nationa!. Iæ  onå  corporatioî iî thå fami!ù ió good¬  caî  twï  bå           better? Iô  ió iæ yoõ arå H®  Ke!!ù  Sutton¬  M.D.¬  anä  Seatt!å           Sutton¬  R.N.¬  BSN¬  whï  havå "his¢ anä "her¢ corporationó  - thå           Marsei!!eó Medica¡  C!iniã anä Diet-Carry-Out¬ Ltd.¬ oæ Marsei!!es¬           I!linois. Diet-Carry-Out¬  Ltd®  (DCO©  uti!izeó á ne÷ concepô  tï           promotå healtè anä fitness® Insteaä oæ á dieô !isô anä advice¬ DCÏ           provideó  thå  actua¡  2±  mealó á week®  C!ientó  picë  uð  theiò           comp!etå  mea!s¬  refrigerateä  anä packageä iî disposab!å  p!astiã           containers¬  froí !ocaì distributors®  Thå mealó arå fresh!ù  pre           pareä aô á centra¡  locatioî anä transporteä bù refrigerateä truckó Š           throughout northern I!!inois. Nï morå temptation®  Nï morå choices® Nï morå forbiddeî           foods. .PA Š .. L!!.........!.......................................................R #EL, DCO - paqe Z Everù doctoò knowó ho÷ harä iô ió tï geô patientó tï loså   weight¬  eveî wheî theiò !iveó depenä upoî it® "Yoõ caî ta!ë untiì   yoõ arå blue in the face and they never !ose a pound," explains Dr. Sutton. Dr®  Suttoî  ió á specialisô iî familù practicå 10° mi!eó   southwesô oæ Chicago®  Mrs®  Suttoî ió á nurså whï assistó hií  iî   hió  office®  "Iî frustratioî onå daù É saiä tï Seatt!å - yoõ takå   oveò theså patients®  É don'ô havå timå tï givå weight-!osó advicå   anù more,¢ Dr. Sutton says. Mrs®  Suttoî starteä ouô witè thå o!ä diet-!ist-andadvicå   routinå unti¡  onå daù á patienô p!eadeä witè her¬ "Seatt!e¬ iæ yoõ   wou!ä cooë for me, I know I cou!d !ose weight." "É  thoughô  - whù not¿  Maybå theù coulä  fo!!o÷  theiò   dietó  betteò  iæ É cou!ä makå sacë !uncheó foò  them,¢  sayó  Mrs®   Sutton® Dr® Sutton agreed the idea was worth trying. Foò  monthó Mrs®  Suttoî thoughô oæ nothinç e!så buô fooä   anä  distribution®  "É wanteä tï p!aî á dieô thaô waó aó purå  anä   hea!thfu¡ aó cou!ä possib!ù be® Iô shou!ä teacè gooä eatinç habitó   thaô  woulä continuå tï influencå á patienô eveî wheî hå  wenô  ofæ   thå  diet®   lô  shoulä  bå  á  "pru#enô  diet¢  - low-fat¬   low-   cholesterol¬  low-salt¬  low-su#ar®  É woul£ uså onlù thå choicesô   anä  freshesô  ingredientó witè nï preservativeó oò  additives®  É   woulä makå everything from scratch, even the breaä anä crackers¬  becauså wå cou!ä buù nothinç commercia!lù thaô Š£ fiô ouò rigid specifications. The Suttons obtained business advice from their !oca! .PA Š .. L.........!........................................................R communitù  co!!egå  anä thå officå oæ thå  Sma!¡  Businesó  Adminis tration®  Dr®  Mahmooä  Khan¬  Associatå Professor¬  Fooä  Serviceó Department¬  thå Universitù oæ I!!inois¬  ana!yzeä a!¡ oæ theiò fooä anä menuó by computer to provide scientific va!idation of their concepts. Thå  Suttonó tooë $1,00° ouô oæ persona¡  fundó  tï  capi ta!izå  thå ne÷ Subchapter-Ó corporation®  Mrs®  Suttoî ió thå so!å shareho!der® Aô firsô shå renteä thå faci!itieó oæ á locaì caterinç service¬  buô  no÷ DCÏ haó moveä intï itó owî  building¬  especia!!ù adapteä  tï  itó  needs®  Shå hireó heò  owî  emp!oyeeó  - á  sa!eó supervisor¬  cooks¬ anä drivers® Shå a!sï hireó outsidå consu!tantó foò specia! advice. DCÏ starteä iî 198µ witè e!eveî c!ientó - medica¡  friendó anä patients® Thå prograí spreaä tï neighborinç communitieó bù worä oæ mouth® Mrs® Suttoî appointó á distributoò iî everù towî thaô DCÏ services®  Thå distributoò ió aî independenô contractoò whï secureó c!ients¬  doeó  !ocaì  promotion¬  anä receiveó anä distributeó  thå mea!ó DCÏ de!ivers three times a week. Peop!å starô thå prograí tï loså weight¬  combaô á medicaì problem¬  anä  improvå  theiò hea!tè  anä  appearance®  Physicians¬ dieticians¬  anä home-carå coordinatoró recommenä DCÏ tï appropriatå patients®  Onå distributoò operateó ouô oæ á !oca¡  hea!tè c!uâ anä reportó thaô businesó ió boominç amonç fitnesó devotees® Anotheò ió !ocateä iî Chicagï O!ä Town¬ wherå professionaló anä sing!eó buù thå mea!ó tï save time and sti!l eat well and protect their hea!th. DCÏ no÷ prepareó oveò 2,50° mea!ó á week® Thå businesó ió se!f-sustaining but Mrs. Sutton retains a!! money within the Š.PA Š .. L.........!........................................................R companù  foò expansion®  Shå ió considerinç settinç uð  á  nationaì franchisinç system® Potentia¡ distributoró havå ca!!eä heò froí a!¡ oveò thå United States. Shå  doeó noô wanô tï turî thå businesó oveò tï promoters® "Theù saù wå wilì havå tï switcè tï preservativeó anä frozeî  foods® Nï way!¢ Mrs. Sutton says. "We are committed to preserve our principles." Thió  ió  onå  dieô  prograí  thaô  doesn'ô  requirå  youò doctor'ó permission. "Who needs permission to eat hea!thy?" !he Suttons ask. Whù  dï  thå Suttonó worë sï harä no÷ thaô theiò  chi!dreî arå growî anä they cou!d s|ow down? "I'í fu!fil!inç á dream,¢ Mrs®  Suttoî exp!ains®  "Mù  owî fatheò  waó  morbidlù  obese®  Perhapó É caî he!ð otheò  peop!å  aó desperatå aó hå was." Dr®  Suttoî  be!ieveó iî thaô time-testeä businesó  axiomº iæ yoõ wanô something done we!!, ask your wife to do it. "I'í prouä oæ Seatt!e®  É jusô thre÷ heò thå ba!¡ anä shå tooë ofæ down the fie!d." ####### .PA Š .. L!.......!.!........................!..............................R r#gu #pprox:mate#y :.uuu wor#s THE RAFAEL CABALLERO FAMILY OF AURORA, ILLINOIS A FINANCIAL PROFILE HOW THEY SPEND THEIR MONEY Written and photographed by June Grayson Yoõ  wont§ finä thió venturå capitalisô  prow!inç  arounä  Wa!¡  Streeô  iî á pinstripå suit®  Rafae¡  Caba!!erï workó ouô oæ  Aurora¬ I!!inois - and he wears jeans and T-shirts. Hå  probablù doeó noô calì himselæ á venturå  capitalist¬  either®  #uô  hå  haó functioneä aó onå foò thå manù  friendó  anä  relativeó whoí he has he!ped #et started in husiness in the United States. Sincå Ca#a!|erï !mm|qrateä tï Miamü froí Cubá  twentyfivå  yearó  agï  aô  thå  agå oæ nineteen¬  hå haó seeî  hió  neô  wortè Š  increaså froí zerï tï thå amounô thaô qua!ifieó hií foò á  persona¡  linå  oæ  crediô  oæ onå anä á ha|æ mi!!ioî dollaró  - thå  highesô  amounô thió #ió local bank allows. .PA Š .. L.!.........!........................................................R GEL, paqe 2, Cabal|ero Anä  eveî thougè hå doeó noô havå hió MBÁ froí  á  presti   giouó businesó schoo!¬  hå cou!ä givå !essonó iî practica¡  businesó   applications to some of the professors. Caba!!erï  wenô tï higè schoo¡  iî Cu#a®  Wheî hå camå tï   Miamé witè á cousiî iî 1962¬  Catholiã Charitieó founä hií á factorù   joâ  iî Minneapolis®  Hió cousiî wenô tï worë iî á  haí  processinç   p!anô  iî Ne÷ Jersey®  "Wå saiä tï eacè otheò - herå ió á  businesó   thaô wou!ä be good for us," Caba!!ero says. Iî 1972¬  witè Caba!!erï !ivinç iî Aurora¬  I!!inois¬  thå   twï  cousinó puô togetheò á businesó proposaì iî whicè theù wou!ä bå   equa¡  partners® Theù secureä á $28,00° !oaî guaranteeä bù thå Sma!¡   Businesó Administration from a !oca! bank. Gustï  Packinç  Companù  buyó "greeî meat¢  froí  thå  biç   who!esa!eró sucè aó Wi!son¬ cureó iô foò fouò dayó accordinç tï it'ó   owî secret recipe, and then rese!!s it to distributors in thå Chicagï metropo!itaî area®  Thå companù waó profitablå ® withiî onå year® Now they have all of the business that they can hand!e. Companù  insurancå  anä á buy-ouô  agreemenô  protecô  thå   partneró iî caså onå oæ theí shou1ä die® Gustï Packinç alsï haó itó   owî  medica¡  insurancå plaî aó welì aó á pensioî anä  profitsharinç   p!an. Caba!lerï  takeó  á month!ù sa!arù froí thå husinesó  thaô Š  enab!eó hií anä hió fami!ù tï !ivå comfortab!y¬  a!thougè - bù  somå   standardó - modest!y. Theù !ivå iî theiò seconä home¬  #oughô foò undeò $200,00°   witè á thirty year mortgage. It is on!y minutes away from the .PA Š .. L!!.........!...................................................R p!anô  sï thaô Caballerï caî gï homå foò lunch®  "É don'ô wanô   tï gï tï meetings¬ É don'ô wanô tï joiî anything¬ anä É hatå tï   eaô out,¢ Caba!!ero exp!ains. Hå liveó witè hió wife¬  whï ió parô Panamanian¬  anä  _hió threå young children. "When I am done working, all I want to do is to go home, p!ay with my kids, read the paper, and watch TV." Theiò  personaì incomå coveró thå cosô  oæ  parochia¡   schooì  educatioî aó wel¡  aó theiò invo!vemenô iî theiò  !oca¡   parish® "Be!ieve me, this costs me p!enty," Caba11ero says. Theù  owî  onå  persona¡  caò  whicè  Mrs®  Caba!!erï   drives® Otheò cars and trucks are owned by the business. Foò  recreation¬  thå familù likeó tï attenä footba!¡   games¬ especia11y those of the Chicago Bears. Foò vacations¬  Caba!lerï boughô á 3³ fooô Pace-Arro÷   motoò home severa! years ago with a regu1ar commercia! !oan. . The whole family goes on a five week tour of the United States every summer. Caba!1erï  useó thå resô oæ hió discretionarù  incomå   tï buù á fe÷ stockó no÷ anä then®  Bluå Mondaù diä noô  botheò   him®  Hå  on!ù buyó b!uå chipó sucè aó IBÍ anä holdó theí  foò   Iong-terí growth. Hå a!sï ownó á coup!å oæ citù !otó |î Aurorá whicè hå   hopeó wi!ì appreciate in value before he sel!s them. Hió  chi!dreî  wi!¡  bå ab!å tï gï tï  co!!ege¬  eveî   thougè  hå  coulä not®  "É boughô á universa£  !ifå  insurancå   policù foò #nat very purpose," Caba!!ero says. Universa! Life Š.PA Š .. L!..!......!........................................................R . . . combineó  terí protectioî witè investmenô va!ueó whicè  accruå  tax-  sheltered®  Á policù holdeò caî borro÷ oî thå casè valuå aô á lateò  datå  withouô  makinç iô á taxab!å evenô aó !onç aó hå keepó  enougè  moneù iî thå po1icy so that its insurance va!ue is not compromised. Iæ onå companù ió good¬ caî morå bå better¿ Iô haó workeä  ##t'thaô waù foò Caballero® Yoõ won'ô finä ouô froí hií exact!ù ho÷  manù friendó anä re!ativeó hå haó he!peä oveò thå years®  Caba!!erï  on!ù  grantó á rarå interview®  Hå ió á maî oæ action¬  anä noô  oæ  ta!k®  "É  geô onå hundreä ca!!ó á day®  Mù friendó saù theù  neeä  money¬ dï É want to be a partner, and I say - sure, why not?" Hå  wilì admiô tï á currenô 50¥ ownershið iî á  successfuì  Aurorá  machinå  shoð  anä  á 25¥  ownershið  iî  á  F!oridá  grave¡  supp!ier® Hå ió alwayó active!ù invo!veä iî anù companù iî whicè hå  haó á financial interest. Hå haó severa¡  financia¡  advisors®  "É a!wayó !isteî tï  them® Theî I do what I want to do anyway," !aughs Caba!!ero. Rafae¡  Caba!!erï  proveó  thå olä wisdomº  thå  besô  taø  shelteò anä wealth builder is your own privately-held corporation. His advice for other Hispanics just starting out? "If yoõ arå wi!!inç tï work¬  yoõ wi!¡  succeed®  Geô alì oæ thå educa .tion you can, decide what you want to do, and then go after it." ####### .PA Š