7 Tips for Protecting Your Identity & Money

At least 110 million consumers were affected by the hack involving Target and Neiman Marcus retailers. Whether or not millions more will have their identities manipulated and finances ruined within the coming months due to more breaches of security at other stores is anyone's guess, says identity theft recovery expert Scott A. Merritt.

"By necessity, I became an expert on identity theft. My information was stolen in 2006, and in repairing the damage, I learned some not-so-obvious ways we can all protect against identity theft in the first place," says Merritt, CEO of Merritt & Associates (scottamerritt.com) and author of  "Identity Theft Do's and Don'ts."

Merritt's problems began quickly. While disputing financial charges and dealing with resulting business problems, in 2007 he was stopped for a traffic violation and arrested on a false outstanding felony warrant. He immediately knew why.

"I had to enlist my U.S. congressman and convince the state police, NCIC, FBI and Secret Service that I didn't commit the felonies. For a few years, I had to prove that the prints did not match the false record in question. After legal action, however, I was able to have this corrected."

Unfortunately, the millions affected by the recent hacks may be dealing with similar repercussions in the years ahead, he says.

Before you become a victim of identity theft, Merritt offers seven ways to guard against it.

• Understand how and where it happens. Identity theft is like being robbed when you are away from home; most thefts occur in places where you do business every day. Either a place of business is robbed, a bad employee acts improperly or a hacker breaches the office through the computer.

• Secure your wallet's information. Photocopy everything in your wallet: photos, credit cards (front and back), membership cards - everything. Put the copies in the order the cards are arranged in your wallet, staple the pictures and place them in a strong box or safe.

• Make sure your information is consistent. For all of your identity and financial documents, make absolutely sure, to the smallest detail, that all of your personal information is accurate and consistent! Discrepancies such as using your middle initial on some documents, and not others, or having different addresses, can wreck havoc in proving your identity, and can compromise your credit score.

• Secure your digital habits and data. Change your passwords at least twice a year on a non-scheduled basis - don't be predictable. Have a strong firewall if you shop online, and only access sites that are protected by a strong firewall and high industry standards. Access accounts of a financial nature only from your personal computer.

• Protect your banking information. While in the bank, keep account numbers and other data out of sight, and avoid stating account numbers, Social Security numbers and similar information out loud. When planning a bank visit, have items such as deposits and withdrawal slips prepared in advance.

• Account for your interactions with vendors. Every time you speak to someone with whom you do business, write down the time, date, name and the purpose or outcome of the call. If an identity theft occurs on the vendor's end, you will be able to reference these prior conversations effectively. Be sure to note any animosity or reluctance from the vendor.

• Don't carry around your birth certificate or Social Security card. Unless it's necessary, keep those vital items in a safe, or at least a firebox. If you know someone is going to need a copy of your tax returns or your driver's license, for example, make the copies ahead of time. This avoids the need for a firm's employee to leave the room with such information.

"Of course, you can greatly reduce being a victim of such recent hacks that occurred at the major retailers by using cash more often," he says. "But if you're going to use credit, use a card from a national bank or a national credit union and never a debit card, no exceptions."

About Scott A. Merritt

Scott A. Merritt is the CEO and sole stockholder of Merritt Ventures, Inc., doing business as Merritt & Associates and author of "Identity Theft Do's and Don'ts." He has more than a decade of experience in the real estate industry, financial planning, insurance, investment services, and has more than a decade in mortgage services, all under the umbrella of Merritt Ventures. Merritt holds a life, accident and health insurance license, and a principal associate real estate broker's license. He has an associate degree in pre-law, a bachelor's degree in business administration and a certificate in computer information systems. He has personally represented himself and won in court hundreds of times to, in part, clear his record from the ravages of identity theft.

Financial Planner: Another 2008-style Economic Disaster
Could Happen Again, Suggests New Kind of Diversity

While the world is still feeling the long ripples of the economic meltdown that began six years ago, our economic institutions remain "too big to fail" - at least in the minds of  millions of retired Americans and those soon to join their ranks, says veteran financial advisor Curt Whipple.

"That's what we see when we review their retirement portfolios," says Whipple, a Certified Wealth Strategist, Certified Estate Planner and CEO of C. Curtis Financial Group. He recently published "Retiree Lifeline! How to Get Government Out of Your Pocket," (ccurtisfinancial.com), a retirement planning guide.

"I see it all the time: a new client comes in with what they believe to be a 'diverse' portfolio. While it may be diverse in terms of Wall Street holdings, a solid retirement plan also requires diversity outside of a system that's 'too big to fail,' which could fail yet again."

When Wall Street falls, it shouldn't mean that Main Street must as well. Whipple outlines the three kinds of money retirees should have available for enjoying the golden years with peace of mind.

• Red money ... can be defined as that which is tied to Wall Street, by far the most popular kind of investment, including stocks, bonds and mutual funds. "I've been looking at the accounts of new clients for nearly three decades, and on average, 92 percent of their retirement plan is based in these investments," he says. "That's risky, especially as you get closer to retirement age or once you retire. You don't want 92 percent of your retirement premised on that kind of potential volatility."

• Blue money ... is often referred to as "alternative investments," which typically include Real Estate Trusts (REITS), equipment leasing programs, precious metals such as gold and silver, high grade rare coins and collectibles. "This 'color' of money has been an important portion of the pie for success in my clients' investments; they were essentially unaffected by our recent economic collapse because they were so well diversified." This is a highly advantageous part of a portfolio because it historically creates good income with a low correlation to the stock market.

• Green money ... is accounts that come with a guarantee of some sort. They are either backed by the FDIC, the Legal Reserve System, which is supported by the insurance industry, or insurance companies themselves. "Not all wealth is created equally, and this is the safest kind of money you can have in your retirement plan," he says. Green money includes investments in one's portfolio that have guarantees to not lose one's principal and, sometimes, one's earnings.

"Investment in Wall Street should be much lower for those who are either retired or are about to be retired," Whipple says. "Depending on a person's age, a good investment portfolio could include about 36 percent red money, 32 percent blue money and 32 percent green money."

About Curt Whipple, CWS, CEP

Curt Whipple, Certified Wealth Strategist (CWS) and Certified Estate Planner (CEP), is Chief Managing Partner at the C. Curtis Financial Group, which he formed in 1986. Since then, Curtis Financial Group has counseled and advised individuals and corporations on their financial goals and decisions. Whipple is a nationally recognized speaker.

6 Tips to Gain the Edge & Meet Your Goals

Great people throughout history often fail, quite miserably, before finally reaching their goals, says international business strategist Dan Waldschmidt.

"Van Gogh sold only one painting during his lifetime; Winston Churchill lost every public election until becoming prime minister at age 62; Henry Ford went bankrupt five times; Albert Einstein was a terrible student and was expelled from school; Sigmund Freud was booed from a stage," says Waldschmidt, author of "Edgy Conversations: How Ordinary People Achieve Outrageous Success," (www.EdgyConversations.com).

"Ideas, brilliance, genius - they all mean nothing without the guts, passion and tenacity necessary to make your dream a reality. But often, people fall back on excuses and give up on trying to reach their goals."

Most of us have dreams, and many of us have big ones, but few of us actually see them through, he says.

He offers six tricks for jumping off the excuse train and forge the path to your goals.

• Avoid the need to blame others for anything. Mean, small-minded people know that they suck. That's why they are so cranky and eager to point out others' mistakes. They hope that by causing others to feel inadequate, everyone will forget about how woefully off the mark their own performance is. Don't blame anyone, for any reason, ever. It's a bad habit.

• Stop working on things that just don't matter. Not everything needs to be done in place of sleep. If you work for a boss, then you owe them solid time. You can't cut that out. You can, however, cut out television time, meetings and anything else that gets in the way of achieving your goals. Replace entertainment with activity toward your goal.

• Refuse to let yourself wallow in self-doubt. You're alive to succeed. Stop comparing your current problems to your last 18 failures. They are not the same. You are not the same. Here's something to remember: Your entire life has been a training ground for you to capture your destiny right now. Why would you doubt that? Stop whining. Go conquer.

• Ask yourself, "What can I do better next time?" And then do it next time. If you spend a decade or two earnestly trying to be better, that's exactly what will happen. The next best thing to doing something amazing is not doing something stupid. So learn from your mistakes and use the lessons to dominate.

• Proactively take time to do things that fuel your passion. Exercise is a great example. Living in the moment requires you to live at peak performance. A huge part of mental fitness is physical fitness. A sparring or running partner is a great way to refresh physical competition. Physical activity accelerates mental motivation.

• Apologize to yourself and those around you for having a bad attitude. Do this once or twice and you'll snap out of your funk pretty fast. When you start genuinely apologizing for being a bad influence on those around you, you learn to stop whining and start winning.

About Dan Waldschmidt

Dan Waldschmidt is the author of "Edgy Conversations: How Ordinary People Achieve Outrageous Success," (www.EdgyConversations.com). He is an international business strategist, speaker, author and extreme athlete. His consulting firm solves complex marketing and business strategy problems for savvy companies all over the world. Dow Jones calls his Edgy Conversations blog one of the top sales sites on the internet. He's been profiled in BBC, Fox News and The Today Show, and he is a sought-after media source.

What Worked in the Old Days Still Works Today, Says
Award-Winning Author

Have you ever wondered how members of the same family, from aunts, uncles and cousins to siblings born of the same parents and raised in the same household, can be so very different?

"We see it in every family - Grandma's so easygoing and her son be so strict; Mom's a zany beatnik and her sister's a corporate v.p. Anyone with brothers and sisters will even see it within their own sibling group," says Lynn Shafer, award-winning author of "Stories from Brooklyn: Ancient Voices, Ritual Chants," (www.jo-anbooks.com), a timeless look at the interplay of disparate members of an extended 1940s family.

A ground-breaking study by researcher Robert Plomin in the 1980s is still the preeminent resource for psychologists seeking to understand personality diversity within families.  Even among siblings, the study showed, while physical traits may be very similar, personalities can be as varied as random individuals from the general population.

"Expand that to the extended family, including the vast non-traditional extended families we see today, and you're likely to see more differences than similarities," says Shafer. "Still, many of these families are tight-knit and cohesive. They serve as an inspirational example for humanity as a whole. Despite a union of very different people, we can all love, learn and grow together."

How can you build a strong family? Shafer shares timeless tips:

• Establish a solid foundation based on shared values. It's no secret that very religious families tend to be close-knit and strong. Why? "Because religion provides a structured means of sharing beliefs and values, a process that begins in infancy, when babies are taken to worship services and undergo the rituals that mark their membership in the religion," Shafer says.  While fewer American families are religion-focused than were in decades past, they can all still strive to emphasize the importance of family values and their role in reuniting every family member. Creating rituals and traditions are one way to emphasize values.

• Make your family history a story to celebrate. The story about how brave Uncle Joe once rescued a dog from a well; the singing talents of the three great aunts who performed at county fairs as little girls; the one-cheek dimple that is the family hallmark -- these are the stories that make your family special. "It's not about memorizing the family tree, but about ensuring children know that they are part of something greater than themselves - and that is both a privilege and a responsibility," Shafer says. A child who is constantly reminded, with fondness, that she's the spitting image of wonderful Aunt Bessie will feel a bond with Aunt Bessie - even if she's bee gone for decades.

• Commit to attending, or hosting, family gatherings. Often, the places for sharing those stories are family gatherings - weddings and funerals, holidays and anniversaries. "It may be a question of the chicken or the egg," Shafer says. "Strong families tend to have many shared family stories. Strong families also tend to gather together frequently - and that's where those stories are most often shared." Family gatherings are also a good place for family members with very different personalities to learn to find common ground and practice getting along for the sake of everyone at the special event.  "Imagine what a more peaceful world it would be if we were all forced to play nicely with our obnoxious cousin as children!" Shafer says.

About Lynn Shafer

Lynn Shafer is a Brooklyn native and a graduate of Brooklyn College. A veteran English teacher in New York City schools, she has utilized oral history to create a body of work that can be read aloud. The story "Ancient Voices, Ritual Chants" was runner-up in the fiction category of the Pirate's Alley Faulkner Society annual competition in 1995 for previously unpublished work, portions of which she has read aloud at the prestigious 92 Street Y in Manhattan. She has also written and performed poetry at the Truro Center for the Arts on Cape Cod, where she attended workshops for many years. "Stories from Brooklyn" is published by Jo-An Books - "Books that are making history." Find it at www.jo-anbooks.com and anywhere books are sold.

Veteran Teacher Shares Tips for Motivating Them to Tackle the Hard Stuff

By now, it has become apparent to academics, administrators, parents and teachers that, in general, boys are underperforming in school, says Edmond J. Dixon, Ph.D, a veteran educator and international expert who offers enhanced teaching techniques for boys.

And it may get worse, he says.

It will take some creativity to teach some elements of Common Core, the educational initiative set to be implemented throughout most of the United States, in a way that's conducive to how most boys best learn, Dixon says.

Common Core has been criticized by educators and other experts as demanding standards that are static, arbitrary and generally antithetical to creativity and innovation. Yet initial results in Kentucky, the first state to use the program, have been positive. The state's graduation rate increased 6 percent from 2010 to 2013, and the percentage of college-ready students increased 20 percent.

"Any parent or teacher who wants a boy to be successful with Common Core must understand two crucial ideas: motivated engagement and discretionary effort," says Dixon, who has more than three decades experience as a teacher, is a parent of boys, and is the author of "Helping Boys Learn: Six Secrets for Your Son's Success in School," (HelpingBoysLearn.com), which features tailored editions for parents and teachers.

Because the new curriculum is designed to improve critical thinking, which requires a deep understanding of the material, boys must be both motivated and deeply engaged to learn, he says. That's what it will take for them to independently put in the necessary hard work involved in learning - discretionary effort - without nagging, he says.

"Only by doing this will they be able to meet the new learning requirements; we are already seeing the negative consequences of not doing this with boys, and I fear it will just get worse," says Dixon, adding that his approach inspires a boy's motivated engagement.

He offers two real-life examples that reveal volumes about how the male brain works:

•   Boys need a worthy challenge: Larry Bird and "Magic" Johnson, both NBA greats, who have also become great friends, are eager to talk about their former rivalry. Both say that they simply would not have had the same legendary career without that individual competition; it made them better. When Johnson left the NBA, Bird said he just wasn't as interested in the game.

The male brain responds to a challenge it deem worthy. A student, who daydreams during algebra class and appears lazy, may also pour attention and effort into mastering a skateboarding trick. Constructing a challenge for the male student will do wonders to engage his learning.

•   Boys crave legitimacy. Think about all the colleges in the United States; now imagine trying to craft an NFL playoff-style system that fairly selects the No.1 college football team. Does it seem impossible? Aren't there too many teams?

The NCAA has been trying to figure out a system for establishing a legitimate No. 1 team for decades, and it's finally going to implement one next season. Whether or not it'll work, the effort put into such an endeavor has been considerable. Why so much time and energy for a game?

Because the male brain craves legitimacy; boys will only agree that something is meaningful or valuable if there is a valid process for establishing that value. In the classroom, helping boys understand why and how learning a concept, skill or calculation has value for them will go a long way toward motivating them to learn.

About Dr. Edmond J. Dixon

A pioneer in the field of cognitive-kinesthetics for learning, Edmond J. Dixon, Ph.D., is a human development specialist with more than 30 years of experience as a teacher, administrator, writer, researcher - and parent of boys. He is the founder of the KEEN Differentiated Learning Group, an organization dedicated to helping struggling learners, and the creator of KEEN 5X, a series of strategies for classroom engagement and learning that were have been used with more than 50,000 students and teachers. His previous books, "KEEN For Learning" and "Literacy Through Drama," have been used by educators to improve classroom learning. A dynamic and popular presenter, he has spoken throughout North America on education and human development topics. 

Businesswoman Provides Tips for Being Your Own CEO

Entrepreneurship is alive and well in the United States with hundreds of thousands of new businesses opening each year.

More than 22 million of our small businesses are one-man (or woman) shops, and the number of those ringing up more than $1 million in sales is growing - it was nearly 27,000 in 2011, the most recent U.S. Census statistics available.

"Americans are very savvy business people, and for more and more of us, the rewards of running our own business trounce the risks associated with stepping out on our own," says Lynda Chervil, a longtime businesswoman, thought leader and author of the new book, "Fool's Return," (http://lyndachervil.com/).

"Imagine what would happen if we applied our CEO mindset and skills to our own lives? Sometimes, it takes a boss to tell you to do something in order for it to get done. Now's the time to become that boss."

Chervil shares tips for doing that:

• Embrace change, renewal and rebirth. There is no shortage of opportunity to notice change in life. Don't be afraid to use milestones to provide yourself with an "employer's review" on how you're doing in your own life. What are you doing well, what needs work and how are you going to improve? Create a detailed plan on how you expect to accomplish your goals. Give yourself a timeline, such as losing 20 pounds by summer or increasing your net worth by next year.

• You're your own best entrepreneur. Part of being a good boss means trying out enterprising ideas; it's the mediocre bosses who are content with the status quo. You don't have to start with something wild. Instead, follow through on ideas that are good for you, such as buying healthy food that you haven't yet tried. Look up recipes for how to prepare a healthy item like quinoa - make a project out of it. Have fun with the new you. Just because you have a new job with plenty of responsibility - being your own boss - doesn't mean you can't have fun.

• Manage what you can control; accept what you cannot; and look outside the box. This is not as easy as it may sound because we often think we can control things that, in fact, we cannot, including how people respond to us or how quickly our bodies respond to diet and exercise. Progress does not happen all at once. While it makes sense to focus on what we can control, you may also consider alternative methods of living. That may include riding a bike to work rather than driving, or exploring alternative forms of spiritual healing.

• Don't be a victim! To a greater or lesser extent, we're all taught to be obedient conform to the standards set by parents, teachers and bosses. Unfortunately, for many, this passive role can shape one's identity and influence other relationships. It all starts with one's own relationship to one's self, Chervil says. As most parents and teachers will say, the best students are those who need the least help and are willing to be proactive in their own improvement. Understand that it's not others who determine what you can do; it's you!

About Lynda Chervil

Lynda Chervil is the author of "Fool's Return," http://lyndachervil.com/, a new novel that incorporates valuable life lessons in a page-turning tale that touches on technology, the green movement, and other aspects of contemporary society. She graduated from New York University with a master's degree in Integrated Marketing Communications and has extensive experience in consumer and commercial banking and has held positions in new business development, sales management and executive leadership. Chervil seeks to push the limits of established understanding by exploring alternative forms of spiritual healing, and, through creative writing, to expand the narrative of cutting-edge energy technology to promote sustainability.

Celebrity Couple Celebrates 5 Years of Wedded Bliss

Award-winning singer-songwriter Gary Chapman and his wife, Nashville Wives star Cassie Piersol Chapman, say they're so in love, one wedding just wasn't enough.

"We got married Dec. 22, 2008 in a very small ceremony my father performed," says Gary, 56, a five-time Grammy-nominated, seven-time Dove Award-winning artist who recently released his first album in a decade, The Truth (www.garychapmanmusic.com).

"The next year, we had a mountaintop wedding with our friends in Breckenridge, Colo. Cassie's grandmother married us at a Renaissance fair, and last year, we tied the knot in Las Vegas. What can I say - we like getting married!"

It's just one of the ways the couple keeps the romance alive, says Cassie, 33, who stars in the new TNT show Private Lives of Nashville Wives, premiering Feb. 24.

"Weddings are a beautiful celebration of our love for each other and a reminder that this is serious!" she says. "So many people get married and they're divorced two years later. We don't plan to be among them!"

What are some of the Chapmans' other secrets for keeping their romance burning bright?

• Discover and embrace your partner's cultural perspective. Gary grew up with black-and-white TV and The Andy Griffith Show. He remembers the first time he heard The Beatles on the radio. Cassie watched Fraggle Rock and The Goonies, and played computer games on the family's Commodore 64.

"I've definitely been exposed to things I never would have experienced without Gary in my life, from music to great old movies," Cassie says.

Adds Gary: "A younger person can teach an old dog new tricks, too. I've got a window on pop culture that I would never have without Cassie. Next...she's gonna teach me to dance."

• Identify and enjoy your shared cultural experiences. Both Gary and Cassie grew up fans of Willie Nelson's music, so Gary was thrilled when he got the opportunity to introduce his wife to the country singing legend.

"He's a man who doesn't disappoint when you meet him, so Cassie was blown away. She loves him," Gary says. "I think if I weren't around, she'd marry him! We look for those shared memories - timeless Christmas music is another - because they add to the bond we have."

• Anticipate criticism -- and ignore it. "Simply put, there are going to be haters out there - a lot of people carry around stereotypes about relationships where there's a significant age difference, whether the man or the woman is older," says Cassie. "We're so happy together, it just doesn't bother us. I don't think either one of us even notices it anymore."

• Stay in shape! It's important for everyone to take care of themselves, but if you're the older partner, you owe it to the love of your life to stay fit and healthy, Gary says.

"I plan to be hiking, biking and singing - and more! -- with Cassie when I'm 100," Gary says. "So I exercise regularly and I don't abuse my body by drinking too much or eating a lot of junk. I'm careful because I love her, and that alone is a romantic thing to do."

The two also both see at least one more wedding in their future - not counting the times they quietly exchange rings and mouth "I do" while attending friends' and family weddings.

"We hope to have a real ceremony soon," Cassie says. "I want my dad to walk me down the aisle and mom to button me up."

About Gary & Cassie Piersol Chapman

Gary Chapman is a veteran musician in the contemporary pop, country, Christian and southern gospel genres. His Dove Awards include Male Vocalist of the Year and Songwriter of the Year, and he's written hits including I Prefer the Moonlight for Kenny Rogers and Finally for T.G. Sheppard along with songs for Alabama and Wynonna Judd. He was the host of TNN's hit show Prime Time Country for four years and founded the record label that launched current Disney music mainstays Everlife, among many top performers.

Cassie Piersol Chapman stars in TNT's new docudrama Private Lives of Nashville Wives (from the Real Housewives creators). She grew up on her family's West Virginia farm and was active in 4H and other agricultural activities. She also sang in a choir, modeled and became a star cheerleader in high school. She won two national cheerleading titles at Morehead State University in Kentucky. She has appeared in music videos, commercials and printed work. She works with her husband, Gary, on A Hymn a Week, a popular online devotional.

Can Mindfulness Raise Your Net Worth?
Meditative Focus Improves Both Health and Business
Intuition, Says Veteran Consultant

Sitting down with the intention of stilling one's mind and body is no longer the sole province of hippies and Eastern medicine aficionados, says leadership expert Dr. Stephen Josephs.

Nike, 50 Cent and the Marine Corps all embrace the benefits of mindfulness meditation, he says.

"The benefits of mindfulness meditation do not exist in a vacuum; mindfulness meditation not only lowers your blood pressure, it also offers a host of other positives, including increasing business acumen," says Josephs, who has coached executives for more than 30 years and recently authored the new book, "Dragons at Work," (www.DragonsAtWork.com).

"It sharpens your intuitive business sense. By relaxing your body, breathing evenly, and paying attention to the present moment, you notice things you might otherwise miss. Paying exquisite attention is the key to staying real, and daily meditation builds that capacity."

The benefits of a calm and focused mind are ubiquitous; Josephs offers tips for business leaders.

• If you're faced with what looks like an enticing opportunity, don't just do something. Sit there. Breathe quietly and let the fear and greed subside. The easiest way to fool yourself in a deal, negotiation or transaction is to let your thinking stray from what's happening and get seduced by a dream. It could be the dream your counterpart is spinning for you or simply the dream of results, good or bad. Like most people, you have probably experienced moments when you knew something - a business relationship, an investment - was going south, but you hesitated to act because you didn't have facts to support your intuition. Sometimes, your intuition knows something that your logical mind does not.

• Pay attention to what your body is telling you; you may be expressing signals that your logical mind is slow to notice. In a psychological study titled "The Iowa Gambling Task," researchers gave subjects the task of making the most money possible by choosing cards from four decks. Unbeknownst to the subjects, the decks were stacked. Some were "good decks" (producing winners more of the time) and some were "bad decks," (producing losers). After about 40 to 50 picks, most subjects caught on to which decks produced winners and losers. Their bodies knew something that their rational minds had missed. After about 10 picks they began to produce physiological symptoms of stress when their hands reached for the bad decks. If you're not paying attention to those subtle signals, your innate wisdom is inaccessible.

• Meditation develops emotional balance and a better business mind. If you've never meditated, try it! Start small by simply sitting still and keeping your eyes closed for five minutes. Feel the weight of your body in its sitting position. Try to simplify your thoughts to basic things, down to the subtle sounds of the room, your breathing. Mindfulness meditation does not require extensive study in ancient traditions. Notice the difference after only five minutes; you will feel more relaxed. Later, try it for 10 minutes, and then longer. Do your due diligence in that state of mind. The equanimity that will sharpen your acumen is also the source of your happiness in life. Don't trade it for anything.

About Dr. Stephen Josephs

With more than 30 years experience as an executive coach and consultant, Stephen Josephs, Ed. D, helps leaders build vitality and focus to make their companies profitable - and great places to work. His doctorate at the University of Massachusetts focused on Aesthetics in Education: how to teach anything through art, music, drama and movement. Josephs is particularly interested in the intersection of business performance, psychology and mind/body disciplines. His new novel, "Dragons at Work," tells the story of a tightly wound executive - a fictionalized case study of coaching that produces fundamental changes in a leader. Josephs has also co-authored "Leadership Agility: Five Levels of Mastery in Anticipating and Initiating Change" (Jossey-Bass, 2006) with Bill Joiner, which shows how certain stages of psychological development affect leadership.
Award-Winning Director Shares Tips for the Actor in All of Us

More confidence, less stress, discovering inner resources, improving relationships - there are thousands of self-help books to help us accomplish these, but do they work?

"Self-help strategies can work, as far as they go, but they don't address a key component that affects everything from how we feel about ourselves to how successfully we interact with others," says award-winning film director, producer and writer Dr. Richard R. Reichel.

"That key component is the fact that we're all actors -- at work, school, home, even alone in front of the bathroom mirror. We're always playing the character of 'Me,' but we also have to play other characters. The better we are at it, the happier and more successful we'll be."

But just like anyone who steps before an audience, sometimes we're paralyzed by stage fright, says Reichel, author of the new book, "Everybody is an Actor," (www.everybodyisanactor.com), a guide to achieving success in the film industry and in life.

"Stage fright undermines concentration and we lose our character objective," he says. "Why do so many people cower in light of their dreams? Why do they procrastinate on getting their degree? Why do they tremble at the thought of approaching Mr. or Ms. Right? It's because of stage fright."

To overcome it, Reichel offers these tips from the Psychophantic System he developed to mold both life and film actors:

• Control stress with a "mind walk" and "confocal contemplation." Today, stress is associated with a variety of chronic illnesses. In addition to regular exercise and sleep nourishment, consider a "mind walk," or a pleasant thought that stops the stress and replaces it with something positive. In the same vein, practice "confocal contemplation" by allowing your mind to wander into a cloudlet of peace and relaxing your body. Then, while thoughts are peacefully drifting, flex your feet, ankles, calves, shins, knees, buttocks and hips - and release. Feel the weight of your entire body while your mind remains free, and repeat the exercise.

• Practice projecting your emotions. How many times have you daydreamed about how you will express yourself when a particular situation arises? In the same way, we need to rehearse how we project our emotions in social situations. Try practicing emotional expression in front of a trusted friend or loved one. If someone has made you happy and joyous, rehearse how to show them in the moment. Showing love and laughter can strengthen bonds, and learning how to express anger, sorrow and fear in appropriate ways will improve your ability to communicate and foster understanding. 

• Winning your audience by emphasizing character strengths. No one is good at everything, but everyone is good at something. In order to get what you want in life, you simply need to do what you're good at. Your audience may be an employer, coworkers, family or a potential date. Can you make them laugh, understand or otherwise feel deeply what you're expressing? Appealing to their emotional responses can go far. Keep in mind the hearts and minds of your audience, including the setting and what they must be experiencing during the "performance." Be aware of your vocal projection and body language. You will be remembered for your performance, which will lead you to better roles and, in the case of daily living, better relationships.

About Dr. Richard R. Reichel

Dr. Richard R. Reichel has a long and varied experience in the film and TV industries, from actor and director to casting and cameraman. He holds multiple degrees, including one in film production and a doctorate in counseling psychology. Reichel, the author of "Everybody is an Actor," (www.everybodyisanactor.com), was the first to produce a TV program about Asian cultures in America, and the first to present a TV show about all aspects of organic living. He is credited with persuading film star Jackie Chan to come to the U.S. to make movies. Dr. Reichel created an innovative and comprehensive acting system that immerses participants in the culture of film production while helping them actually become the character with impressive time efficiency. His system is also excellent for those who would like to have superior confidence and be more dynamic and assertive at work, social situations, school or even at home.

Things Everyone Should Know About the Effects
of Sugar on Skin

Most people today know antioxidants to be an effective method of fighting age, but few are aware of the biological process underlying for most skin damage - and what directly addresses the problem, says skin-care expert Ron Cummings.

"The word that has been on the minds of dermatologists and other skin-care researchers for many years is glycation, which is what happens on the cellular level to age our skin," says Cummings, founder and CEO of AminoGenesis Skin Care, (www.aminogenesis.com).

Glycation - damage to proteins caused by sugar molecules - has long been a focus of study in people with diabetes, because it results in severe complications, such as blindness and nerve damage. People with uncontrolled diabetes have excess blood sugar, so they experience a higher rate of systemic glycation, he says.

"Antioxidants fight inflammation caused by free radicals, which are largely created from external, environmental factors such as excessive sunlight or cigarette smoke. Glycation, though, damages from the inside out."

Using antioxidants and topical moisturizers are a good start to keeping the effects of aging at bay, but they only go so far, Cummings says. Even more important is reversing the damage to skin caused by glycation, which became possible only recently.

Cummings shares two points anyone interested in skin care should know about glycation:

• Glycation is the skin's No.1 aging factor. Sugar molecules in our body bombard our cells like a ferocious hail storm, bonding with fats and proteins. The proteins then become misshapen and excrete exotoxins that disrupt cellular metabolism. Collagen, which makes skin look smooth and plump, is a protein that's particularly vulnerable to glycation. The damage manifests as wrinkles, lines, discoloration and edema. Rather than attacking a cell from the outside, like a free radical, glycation occurs from within.

• Anti-glycation topical solutions have been clinically shown to be effective. Old lotions, from your favorite moisturizer to Grandma's secret facial solution to the new DIY recipe you found online act as a barrier to moisture evaporation. But their effect is temporary, and they don't prevent or reverse damage. New anti-glycation formulas, however, directly address aging by releasing the sugar molecule's bond with protein, allowing the cell to return to its natural shape and state.

"Just as antioxidants have revolutionized anti-aging efforts around the world, anti-glycation will be understood to be exponentially more effective," Cummings says.

About Ron Cummings

Ron Cummings is the founder and CEO of AminoGenesis Skin Care, which utilizes amino acids as the key ingredients to its age- and damage-reversing products. The formula for the solution features 17 plant-purified amino acids, which are necessary for healthy and radiant skin. The company's formulas include anti-glycation properties, which are very rare in today's skin-care products. Cummings donated one of his products, a protective agent, to support military forces in Afghanistan and received a hearty letter of gratitude from the Marines of Special Operations Company Bravo, which described the product's excellent performance, as well as a flag that was flown "in the face of the enemy, over Forward Operating Base Robinson in Sangin, Afghanistan."

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