My name is Margaret Owen. I was a bookkeeper since I earned an AA Degree in Accounting at Chabot College in Hayward, California in 1971.

In early 1989, my son was getting ready to go to college and had the Chabot College course catalog sitting on the dining room table. I picked it up and flipped through it and noticed they had a two-year program in Travel Careers. I very unconsciously commented that I should take that course, put the book down and forgot about it.

Then a couple days later, the idea came to me that maybe I should go through their program.  I had taken my first cruise in November, 1986 and another in 1988 and my interest in travel had grown a lot. So after completing the program in May, 1990, I was hired by Carlson Wagonlit Travel in Castro Valley, California. I’ve been an active travel counselor (agent) since then.

Over the years I dabbled in network marketing ventures: Herbalife, Excel and NuSkin, mainly for my own use. My latest endeavor is with ACN, the world’s largest direct seller of telecommunications in the world. The best thing about being an IBO (independent businss owner) with ACN is that the products are used by EVERYONE and I receive a percentage of the monthly bill of my customers and the customers of IBO’s I have sponsored. Got residual?