'Despite the Problems, Don't Throw out the Baby with the
Bathwater,' Says Ex Worldwide Church of God Minister

There are several indicators that organized religion is on the decline, not just in Western Europe, but also in the United States.

Only 37 percent of Americans believe clergy contribute significantly to society's well-being, according to a new Pew Research Center poll. Even among regular church goers, only about half, 52 percent, say clergy contribute "a lot" to the betterment of society.

Gallup and Pew polls provide these other indicators:

• Two-thirds of Americans say religion is losing its influence in our lives.
• Since the 1970s, Americans' confidence in organized religion has steadily decreased.
• As of 2012, the downward trend hit an all-time low: only 44 percent of Americans have "a great deal" of confidence in organized religion.

"America is still the most devoutly religious first world country - other Pew polls indicate that most teens and 20-somethings still consider themselves 'spiritual,' and roughly half of U.S. adults are still faithful to a religion," says Wade Fransson, a former minister in the Worldwide Church of God - a religion eventually denounced as a cult - and author of "The People of the Sign," (thepeopleofthesign.com), a memoir recounting his life with the church.

While Fransson has experienced firsthand the liabilities of extremist elements in religion, he says religion and spirituality still offer society important benefits:

• Religion often drives innovation and progressive social mores. Can anyone imagine what the world might look like today without the Gutenberg printing press, the institution of marriage or the very devout pilgrims who helped pave the way for what would become the United States? Would there have been another human-based institution to champion the Golden Rule in quite the same way as the world's religions have done, including Christianity, Judaism, Buddhism, Islam, Hinduism, Bahá'í Faith, Confucianism, Sikhism, Taoism and others? Our morals are fundamentally rooted in the history of religion, and throwing out religion would truly be like throwing out the baby with the bathwater, Fransson says.

• Faith groups are responsible for much of the world's charity work. Here's a quick glimpse of just a few of the charities created by religious groups: Salvation Army, YMCA, St. Jude's Hospital, Habitat for Humanity International, International Prison Ministry, Intercristo, World Relief, Remuda, Christian Aid USA/Canada ... and the list goes on. Across the country and around the world millions of faith groups contribute daily to their communities, from feeding the hungry to educating the poor. Religion's bad apples get plenty of press, but the fundamental core of faith, worship and devotion to something bigger than ourselves remains essentially good.

• Humans are by nature spiritual; ignoring our spirituality can be dangerous. In recent years there has been a confined yet noticeable spring of atheistic books, including Sam Harris' "The End of Faith," elaborating on how religion's role in society has long been a damaging one. But atheists promoting a decidedly anti-religious message, who would prefer religion to be confined to the past, offer little or no alternative to a human being's innate longing for spirituality, or a deeper meaning to life other than what's merely apparent and material.

"I call it 'The Search' - that is, that urge we all share for significance amid this vast and mysterious universe," Fransson says. "I suspect there's an element of truth - another piece to the puzzle - dwelling within each religion or spiritual system, and we should all deeply consider and appreciate the transcending beliefs of others."

About Wade Fransson

Wade Fransson manages technology vendor contracts and relationships for a major retail corporation. He has a background in business and technology for major corporations and was the CEO of GoHuman, Inc. online marketplace. In "The People of the Sign," he shares his story to show both the positives and negatives of one of the most fascinating churches born in the 20th century. The sequel is to be published in October.

Corporate Thought Leader Architect Shares Tips

Plug "thought leader architect" into the title field of a LinkedIn search and only one name pops up: Mitchell Levy, CEO of THiNKaha and author of the new book, "#Creating Thought Leaders Tweet," (www.thinkaha.com/experts2gurus).

"The truth is, a lot of people are trying to become viewed as 'thought leaders' because they recognize that being a well-publicized, well-respected expert in their field is good for business," Levy says.

"But most people have a hard time figuring out how to do it on their own."

Levy, who works with corporations to develop thought leaders among employees, says CEOs recognize that the wide availability of information on the internet has changed how customers do business.

"Customers are quite knowledgeable, and they get that way by using the resources available online," Levy says. "It doesn't take long before they know enough to spot a true expert - someone with vision; someone with a strong track record of success; someone who knows their field so well, they can tell you where it's going, and where it should go."

When we had only the traditional media and its well-guarded access, our thought leaders tended to be people who were already in vaulted positions, such as elected officials, CEOs of major corporations and entertainment personalities, Levy notes.

Today, thanks to the egalitarian nature of social media, anyone can become one. But many people don't know where to begin.

Levy offers these suggestions for developing your reputation as a thought leader.

• Start by zeroing in on an area of your field in which you excel. Focus on one area of your business or profession that excites you. Rather than stepping out as the consummate expert on a broad range of topics, choose one slice of your expertise that you enjoy - that you love to talk about. The beautiful thing about social media is that it caters to niche interests, which is a great way to start building your following. The more focused you can make the space you want to be a thought leader in, the easier it will be for you to reach your audience.

• Develop your own message and share it in a distinctive style. Think about who your audience is and what they want and need - remembering that they don't care about you, they care about themselves. Are there better ways to do something that everyone has been doing the same way for years? Can you solve problems or foresee trends that others seem to be blind to? Craft a message that will resonate with your audience. Share it in a distinctive, authoritative voice. Don't be afraid to show some personality. Do you need to be bigger, tougher, louder, stronger, wiser? You don't need it all, but you do need to set yourself apart.

• Create useful, valuable content that people can use. Online, you can write a blog; create video tutorials on YouTube; share nuggets of information on the various social media sites. Write a book on your topic! By constantly sharing information that solves problems for users and readers, you begin developing a reputation as knowledgeable, helpful and reliable. This should be an ongoing process - which is why you need to be passionate about it! Thought leaders make it look easy, but they work at it every day.

About Mitchell Levy

Mitchell Levy, Thought Leader Architect and CEO at THiNKaha, has created and operated 15 firms and partnerships since 1997. Today, he works with companies who are active in social media to leverage their IP and unlock the expertise of their employee base to drive more business. He is also an Amazon best-selling author with 18 business books, including the new "#Creating Thought Leaders Tweet." Levy is a frequent media guest and a popular speaker. In addition to the companies and joint ventures he has started, he has provided strategic consulting to more than 100 companies, has advised more than 500 CEOs on critical business issues through the CEO networking groups he's run, and has been Chairman of the Board of a NASDAQ listed company.

Nurse Shares Steps for Releasing Pain, Forgiving
Yourself and Others

From child abuse and domestic violence to human sex trafficking and atrocities against civilians in war-torn countries, our world creates new victims daily.

Broken bones and bruises heal, but for many victims, the emotional damage is lifelong and life altering, says Amrita Maat, a nurse, child abuse survivor, and author of the inspirational new book, "Wearing a Mask Called Normal," www.maskcallednormal.com.

"Experiencing abuse can affect how you feel about yourself and how you respond to other people," Maat says. "These effects might be easy to see if you're observing them in someone else, but they can be nearly impossible to recognize in yourself without help."

The emotional and physical abuse that Maat grew up with set the stage for her to become a perpetual victim as an adult, she says. The choices she made and her interactions with others were often unwittingly self-destructive.

"Lifestyle changes that involve healthy choices include eliminating dysfunctional patterns, such as manipulation and abusive behavior - the things children of abusive parents learn from their role models," she says. "A healthy lifestyle comes first through recognizing unhealthy behaviors and then laying the groundwork for positive change."

For Maat, that groundwork begins with forgiveness.

"You have to forgive," she says. "You have to forgive yourself and you have to forgive those who've hurt you. When you're a victim, you're often angry - because you have every right to be angry, right? But anger, focusing on blame and thinking of yourself as a victim only perpetuates the dysfunction and the pain it brings."

So, how does one begin to forgive oneself and others? Maat shares the steps she put together, which helped her learn how to identify what would move her forward on her healing path. She started by creating a list of the people and circumstances she needed to forgive and systematically working through the process:

1. Identify the people who have caused you pain and why you feel that pain. This validates your pain; it was real and deserves to be acknowledged.

2. Identify the pain you feel from others and consciously release it to the universe in a personal ritual that has meaning for you. You might write it down on a piece of paper and burn it. Or speak the words out loud and blow them away.

3. Allow yourself to forgive those who have caused you pain as a means to your physical, emotional and spiritual healing.

4. Identify the people you have caused pain and recognize why you caused them pain. It's important to acknowledge that you, too, are capable of causing pain in order to forgive yourself and those you've hurt.

5. Identify the pain you have caused others with your actions.

6. Allow yourself forgiveness for the pain you have caused others as a means to your physical, emotional and spiritual healing.

While forgiving others for hurt caused intentionally is difficult, Maat says the hardest is forgiving yourself for pain you caused. But this is vital; in order to forgive others and to open yourself to positive energy, you must forgive yourself.

"From every hurtful moment, I learned something, and part of my process is to acknowledge each lesson and to be grateful for it," Maat says. "Forgiveness was possible when I released the hurt because it no longer served a purpose."

About Amrita Maat

Amrita Maat is a nurse who reached a turning point in her life when she was injured while trying to avoid the advances of a physician who had sexually harassed her for years. For the first time, she stood up to an abuser by taking the man to court. But she had waited too long under the statutes, so she did not get her day of justice. Because of the nature of her memoir, Amrita Maat is a pseudonym.

Grandma's Recipes May Also Carry a Legacy of Ills;
Expert Shares Tips for Change

High blood pressure ran in Dee Louis-Scott's family, along with a talent for preparing delicious, beautiful meals that kept everyone at the table for hours.

"I hear many families with a history of medical problems who say they can't do anything about it because it's 'genetics,' " says Louis-Scott, author of "Believe in the Magic," www.mattiefisher.com, an inspirational biography of her late mother, Mattie Fisher.

"But for families like ours it wasn't just 'genetics.' It was also handing down treasured family recipes for great-tasting foods loaded with unhealthy fats and salt."

After a frightening emergency room visit during which mother and daughter learned Fisher's blood pressure was an alarming 240/180, Louis-Scott's mom made changes. For starters, she cut most of the sodium out of her diet.

"The first time she made collard greens without ham hocks or salt pork, they tasted awful," Louis-Scott says. "But she kept experimenting and after a few tries, she had a healthy version that tasted good!"

A year after starting to monitor her sodium, Fisher's weight had dropped from 250 pounds to less than 200.

Louis-Scott shares this story because she sees that many families, especially African-Americans, are prone to preventable, diet-related chronic health issues.

She offers these suggestions for some new family traditions:

• Explore complementary and alternative medicine traditions, which often include a dietary component. "I'm a big believer in the mind-body-spirit connection," Louis-Scott says. "If you find an integrated approach that works for you and your family, you'll have a much easier time making lifestyle changes." She practices many of the elements of Ayurveda, an ancient natural healing system that originated in India. It starts with a questionnaire to determine your body type, or dosha - Vata (airy); Pitta (fiery); Kapha (earthy). Once you know your body type, you learn which foods, exercises and lifestyle elements will best support your health.

• Cut back on sodium without cutting back on flavor. You'll be surprised by how much you don't miss mega-amounts of sodium in your food. People generally don't detect a 25 percent reduction in sodium, according to the Harvard School of Public Health. Some tricks for reducing sodium intake: When buying frozen or prepared foods, check the nutrition label. If one serving has more than 1 milligram of salt for each calorie, put it back on the shelf, Louis-Scott says. Skip the fat-free salad dressings, which usually have more sodium to make up for the reduction in fat. (And a little bit of fat won't make you fat!) Avoid or limit popular high-sodium foods such as pizza with meat toppings, catsup, hot dogs and white bread.

• Establish fun new weeknight traditions, like Meatless Taco Tuesdays. Like adults, children are more apt to accept and even embrace change if they're invited to participate - and if it's fun. Instead of a rushed fast-food meal on a busy school night, make it Meatless Taco Tuesday. Come up with some recipes for vegetarian tacos or fish tacos (hint: you can get lots of great ideas online) to prepare together. Or, older kids can take turns being the Tuesday taco chef. Who can come up with the tastiest original combination? "Another idea is to explore new vegetables at the produce stand," Louis-Scott says. "When was the last time you had a turnip? Have the kids help you pick one new vegetable to try each week. You just might discover flavors you never expected to love!"

Today, Louis-Scott points out, developing a chronic condition such as diabetes, high blood pressure or heart disease can be as financially devastating as it is physically.

"At some point, one generation needs to say, 'It's time to stop passing down these traditions and create some new ones,' " she says.

About Dee Louis-Scott

Dee Louis-Scott is retired after working 30 years as a federal employee. She has a Bachelor of Science degree in business administration. Scott has co-chaired the Black Family Technology Awareness Association's Youth STEM Fair for nine years; its mission is to encourage studies in the Science, Technology, Engineering and Math curriculum in urban communities. Twenty years since the death of her heroic mother, Mattie Fisher, Louis-Scott honors her life, which was experienced in a time in American history when it was a double-curse to be a black woman.

By: Alisa Abecassis, Founder of ExploreAll50.com

If you're like me and RVs are not an option, then hotels are where you'll be staying over the course of your trip.  Choosing a hotel can be a scary process if you have no knowledge of the area and are working with a limited budget, but using my helpful tips can take out some of the guesswork in finding acceptable hotels.

1. Chain hotels are usually a safe bet (and you could get breakfast for free!). What's the budget for your trip? If you can stay in top-notch hotels with connecting rooms?fantastic. Although I was lucky enough to be able afford that luxury, I purposely chose not to. I wanted my kids to experience "roughing it" a bit so that they would be more appreciative of the luxuries they had at home.  Our go-to spots are moderate-level hotels such as Best Western, Hampton Inn, Holiday Inn Express, and the like. Large chains tend to have a uniform standard of style and cleanliness. An additional perk is that most of these moderate-priced hotels include breakfast. Again, nothing fancy?cold cereals, some breads and pastries, coffee, and fruit.  Sometimes you might get lucky and they'll have a hot buffet.  Everyone loves the make-your-own waffle machine! It's a great way to get something in everyone's stomachs to start the day and you save on the expense of breakfast.  Plus you can grab a muffin or piece of fruit for the road!

2. Do your homework: read ratings, reviews, and phone a friend. With any level of hotel, research is key. I check out websites such as Hotel.com, Expedia, Orbitz, and TripAdvisor, typing in the city to find all the hotels where I'll be stopping so I can compare prices and look at pictures. TripAdvisor is a fantastic resource because you can see reviews and pictures from hotel guests. You'd be surprised at the discrepancy between a hotel's photos and the photos by people who actually stayed there. Some places that look fabulous on the hotel website could actually turn out to be pretty gross in real life!

Before you choose a hotel, look at the location. Do research on the various neighborhoods so that you know ahead of time that you're sleeping in a safe place.  Do you have friends who live in, or have visited, the area? Enlist them! When I was planning a trip to Detroit, I had no idea where to stay (given that almost every hotel had reviews of thefts and other nastiness), so I called an acquaintance who happened to live in a suburb of Detroit and asked his advice. He told me that Dearborn was a nice, safe place for my family. He was right?it was great!  Sometimes friends can tell you what the Internet won't. However, if I don't have any contacts in the area, and there's not much posted online, then my general rule of thumb is that if it's near a popular activity and it's a well-known chain, then it can't be that bad.

3. Make sure your hotel choices are also bed bug free. Another important step in researching hotels is making sure the place you've chosen has not been infested with bedbugs.  Before making a reservation at any hotel, always check the Bed Bug Registry at www.bedbugregistry.com. It is an invaluable resource.  You can look up any hotel in any city and see if there have been reports of bed bugs.  Also, in the event that you encounter bed bugs anywhere you go, please be a good citizen and help out your fellow travelers by reporting it on the site.

4. Let's book it! Once you've done all your research, you're ready to make the reservation. Some hotels and travel sites offer discounts if you pay up front. This option can save you money, but keep in mind that if something comes up last minute, you will not be refunded (even if you have a sob story). However, if you make a reservation and secure it with a credit card, you can usually cancel up to 24 hours in advance without a charge.

I highly discourage you from booking directly through the hotel website or 1-800 number. Compare prices online and call the front desk at the actual hotel. On numerous occasions there was a special promotion going on that wasn't listed online, and I never would have known if I didn't call ahead. Also, the clerk on site can tell you what kind of rooms they have and notate any special requests.

Also to note: it pays to be a AAA member. A membership card can get you valuable discounts on hotels, car rentals, activities, and even at some restaurants.

Another way to get discounts is to join loyalty programs. Enrolling in a loyalty program can be a great way to rack up points if you go narrow and deep with a particular hotel brand.  You can get their credit card and earn points on all your purchases, in addition to your stays, which over time will result in some free stays.  Definitely worth checking out.   Hilton Honors, Marriott Rewards are a couple just to name a few.

5. Print and file. Once you've made your reservation, print out the confirmation and put it in your trip bible for safekeeping.

6. Be ready to think on the fly-sometimes even the best-laid plans can fall apart. Sometimes, even with the best research, you can end up driving to a hotel that is way below your expectations and "just doesn't feel right." As a single mom, when this happens to me, I call the hotel to cancel. I would rather face a cancellation fee than stay in a place where I feel unsafe. Of course, there are ways around the fees, too. Often times a clerk will cancel the reservation just like that.  Other times I've had to get a little creative to avoid the one night charge. Sometimes it might involve a story about my car being stalled or a flight delay, but sometimes the truth works as well.  No one argues with me when I say I am a single mom and I don't feel safe?again, the story you give is up to you.

On our last night in Nashville we booked a very inexpensive hotel near the airport.  It looked fine from the outside but when we drove around back toward our room there were a bunch of drunk guys hanging off the balcony who started whistling and making suggestive comments when I got out of the car.  That was enough for me to go right to the hotel office and cancel immediately.  The clerk totally understood and recommended a few other places for me to check out.

When a hotel just isn't what you expected, the best thing to do is drive around a bit and find where the newer hotels are grouped closed to a few restaurants.  Your GPS can be very helpful with this.  You may have to run in to a few to check prices and availability, but peace of mind is totally worth it.  Always trust your gut?be safe instead of sorry.

Using my helpful tips with take a lot of the guesswork out of finding safe and comfortable places to stay on your trip.  It's not foolproof, but as long as you've done your research, and can redirect on the fly if need be, you will be fine when it comes to booking your stays.  Safe travels!

About Alisa Abecassis

Alisa Abecassis is the proud mother of three children - Lilia, 17; Isaac, 15; and Joel, 14.
After her marriage ended, she decided it was time to strengthen her family's bonds and personal history by traveling and gaining a better appreciation all 50 United States.
Abecassis is a blogger and has a bachelor's degree in political science from UCLA. Connect with her on Twitter @ExploreAll50.

2 Doctors Say Unrecognized Airway/Breathing Issues are Prompting Facial Changes and a Host of Chronic Problems

What's it like to be an English bulldog? More people are finding out, say integrated health specialists Dr. Michael Gelb and Dr. Howard Hindin.

"A bulldog's airway passages are quite restricted because of the shape of its face, and they are often especially vulnerable to illnesses such as cardiac disease and cancer," says Dr. Michael Gelb of The Gelb Center in New York (www.gelbcenter.com), a holistic dentist known worldwide for pioneering integrative treatments.

Dr. Hindin of the Hindin Center for Whole Health Dentistry (www.hindincenter.com) partners with Dr. Gelb in a multidisciplinary approach to treating chronic disease affecting millions of Americans.

"Our faces are becoming more like a bulldog, with smaller mouths, bigger tongues, misaligned teeth and bigger necks - all of which changes the structures of our mouths and makes breathing significantly more difficult," Dr. Hindin says.

The doctors say that's creating a health crisis.

They say these issues are often associated with Airway, Breathing and Sleep (ABSleep):

• ADHD and other children's issues: Ninety percent of our brains are developed by age 12. Obstructions and even increased effort in breathing cause children to have sleep disorders, and the effect is a range of related problems, from attention deficit hyperactivity disorder, to obesity and diabetes. The good news is that much of this is preventable - at 6, 18 and 30 months of age, doctors can predict children who are likely to develop behavioral and cognitive disorders due to poor breathing. Treatment is often complex and requires a team approach. Removal of tonsils and adenoids are among preventative measures, along with palatal expansion and myofunctional therapy. Additionally, early intervention can improve the shape of a child's face, lips and smile.

• TMJ: As our faces are becoming pushed in and our mouths are getting smaller there is increased pressure on the TMJ as well as increased muscle tension and clenching.

• Sleep apnea: People with sleep apnea can stop breathing hundreds of times each night. Each time this happens, the brain triggers the person to awaken, ever so slightly, in order to resume breathing. Up to 90 percent of people with obstructive sleep apnea have not been diagnosed, according to the American College of Physicians. Sleep apnea is just one of the disorders that can have serious lifelong consequences. But the causes are easily corrected. Children who snore loudly are twice as likely to have learning problems and are more likely to develop behavior problems and ADHD.

• Chronic headaches: Morning headache is one sign of obstructive sleep apnea. As the face is pushed in, nasal breathing is obstructed and mouth breathing results in a forward head posture. This puts a strain on the muscles and nerves at the base of the neck which increases headache.

• Other sleep disorders: You do not need to have apnea to have a sleep disorder that will interfere with performance and health. Snoring, restless leg syndrome and simple daytime drowsiness can be a signal that you are not getting the proper quantity and quality of restorative sleep. If you are suffering from chronic pain, inflammation, poor performance or behavior problems, consider looking into airway-breathing treatment.

About Michael Gelb, D.D.S., M.S.

Dr. Michael Gelb is an innovator in airway, breathing, sleep, and painful TMJ disorders pioneering Airway Centric. He has studied early intervention for sleep disordered breathing (SDB) specializing in how it relates to fatigue, focus, pain and the effects all of these can have on family health. Dr. Gelb received his D.D.S. degree from Columbia University School of Dental and Oral Surgery and his M.S. degree from SUNY at Buffalo School of Dental Medicine. He is the former Director of the TMJ and Orofacial Pain Program at the NYU College of Dentistry and is currently Clinical Professor in the Department of Oral Medicine and Pathology at the NYU College of Dentistry. He is a co-inventor of the NORAD, or Nocturnal Oral Airway Dilator appliance that reduces snoring by positioning the patient's tongue and jaw so that airways stay open. He co-founded the Academy of Physiologic Medicine and Dentistry (APMD) and a non-profit to prevent the proliferation of chronic disease in the U.S. based on airway, sleep and breathing awareness, research and education.

About Howard Hindin, D.D.S.

Dr. Howard Hindin is trained in all aspects of general dentistry. Since the 1990s, his practice has also focused on cosmetic dentistry, temporomandibular joint disorders and craniofacial pain. He is a graduate of New York University College of Dentistry. An acknowledged pioneer in the relationship between dental issues and whole body health, Dr. Hindin is President (2000-present) of the Foundation for the Advancement of Innovative Medicine (FAIM). He is also an active member of the American Academy of Pain Management, American Academy of Cranio Facial Pain, American Academy of Dental Sleep Medicine, Academy of General Dentistry, American Dental Association, International Academy of Oral Medicine and Toxicology, and the New York State Society of Acupuncture for Physicians and Dentists and is the co-founder of the American Association of Physiological Medicine and Dentistry (AAPMD).

Think You Have Your Golden Years Covered? - Get it in
Writing! Says Expert Financial Planner

"Age 85 is a bad time to go broke," says expert retirement planner Jeff Gorton.  Personal savings, various investments and, yes, Social Security may prove to be short of what you'd expected.

"Budgeting how you spend money before retirement can often be a misleading measurement of how you'll actually spend it during retirement," says Gorton, a veteran Certified Public Accountant and Certified Financial Planner®, and head of Gorton Financial Group (www.gortonfinancialgroup.com).

"Spending 40 hours a week at work not only earns you a paycheck, it also keeps you from spending money on more vacations, matinee screenings at the movie theater, extra trips to the mall or shopping online. You need to be exceedingly realistic in your planning, and the five years before retirement are actually the most crucial in solidifying post-employment stability."

To prevent a rude awakening during retirement, Gorton makes certain his clients start with a written income plan (WIP). He reviews the benefits and importance of this "living document":

· A comprehensive list of life expenses paints a clearer picture. For a 65-year-old married couple today, there is a 72 percent chance that at least one spouse will live to age 85; a 45 percent chance that one will live to age 90, and an 18 percent chance that one will reach age 95, according a recent study from the CDC National Center for Health Statistics. You may not think of listing things like pet care, yard maintenance, and regular visits to salons or spas. But if you enjoy those services now, you may want them during retirement, and you might find that you underestimated the real cost of maintaining your desired lifestyle. And, that's not including gifts to children and grandchildren!

· The forecast of a two-legged stool. A WIP helps you appreciate the reliability of retirement income. What sources of income do you anticipate having? Traditionally, retirement funding has been viewed as a "three-legged stool," implying a balance between Social Security, retirement plans and savings/investments. As the baby boom generation ages, Social Security benefits may decrease ? and the age at which an individual can collect benefits may increase. Changes in employment may affect retirement plans. As a result, the third leg of the stool, savings/investments, may become even more important.

· Who is authoring your WIP? As with all written documents, you must always consider the source. What you may not realize is that a financial planner is liable to have a stake in selling you a financial product. Just like a retailer may have an incentive to move certain brands of products, many planners are incentivized to have you invest in specific financial vehicles from major institutions. What plan works best for you? Seek advice from an expert who isn't trying to sell you something, such as an independent firm.

"If you don't have a written income plan, then you're just hoping things will work out," Gorton says.

About Jeff Gorton, CPA, CFP®

Jeff Gorton is a Certified Public Accountant and a Certified Financial Planner® specializing in individual tax and retirement planning. He is also an Investment Advisor Representative under Alphastar Capital Management, an SEC Registered Investment Advisor, and has a life and health insurance license. Gorton works with individuals and their families to create and protect their financial legacies. He specializes in working with retirees in the areas of tax planning, benefits, retirement planning, estate planning and safe money techniques. He received his BBA in Accounting from the University of Oklahoma. Gorton previously worked for 10 years as the Chief Financial Officer for a large retail organization, overseeing their accounting, benefits and 401(k) retirement plans.

Pioneering Psychotherapist Shares 3 Exercises for Maintaining Emotionally While Coping with a Diagnosis

Breast Cancer Awareness Month has been one of the most successful campaigns to raise public awareness in recent history. Unfortunately, in terms of successfully reducing breast-cancer mortality, the results have been mixed, which has caused fierce debate among doctors, researchers, non-profit groups and patients.

"Embedded in the message driving the campaign every October includes instruction to women to strongly consider getting screened for breast cancer, which is often asymptomatic during the early stages, in the hopes of finding cancer before it metastasizes," says cancer psychotherapist Dr. Niki Barr, author of "Emotional Wellness, The Other Half of Treating Cancer," (canceremotionalwellbeing.com).

Debate over the efficacy of screenings has arisen as new studies reveal possible shortfalls:  self-examinations haven't been proven effective; younger women experience false positives due to denser breast tissue, as well as missed positives, despite clinical examinations; and recently published studies such as The New England Journal of Medicine's findings on three decades of screening have been mixed, Dr. Barr says.

The latter found that screenings did reduce late-stage cancer rates, to a small extent, but mammograms also drastically increased over-diagnosis and unnecessary treatment,  including surgeries, toxic drugs and an incalculable amount of stress and suffering, she says.

"I think each woman needs to consider screenings on an individual basis. Family history, age and other risk factors should be considered in their decision," Dr. Barr says. "It's equally important to remember that, should you or a loved one be diagnosed with breast cancer, you should care for your emotional well-being as much as you take measures to restore physical well-being."

While doctors, nurses and medical staff tend to your body, you can tend to your mental health with some of these exercises she recommends to her patients:

• "Catch" anxious feelings before they become anxiety. Prevent anxious thoughts from becoming full-blown anxiety by "catching" those feelings before they intensify. If you find anxious thoughts repeating themselves in your mind, take out some index cards and a pen and write them down, one by one, one per card. When you've written them all down, try to identify which one thought started the chain reaction.  Then find the thought that came next. Continue until you have each thought in order. Now, go back to the first thought and write down a new thought that does not make you feel anxious. When the first thought comes to mind, substitute it with the second thought. Continue through the list until you have positive, empowering thoughts for each negative, anxious one.

• Release painful feelings and then let them go: Writing down painful thoughts and feelings through journaling is an excellent way of exorcising them. Some people find rereading what they've written can be helpful, but others hesitate to use this tool for fear someone will find it and read their private thoughts. For those people, Barr suggests an extra measure of release: Shred the pages while focusing on "letting go" of those feelings.

• Give your mind respite by escaping through music and meditation: Music is a tonic for many things: It can help us relax, lift our spirits, provide an escape from anxious thoughts and the here and now. Always have favorite CDs easily accessible so you can escape with music whenever you need to. Meditation CDs are available to help you learn how to meditate and to provide guided imagery for meditation, which is scientifically proven to trigger soothing chemical changes in the brain. Try "Meditation for Beginners" by Jack Kornfield or "Guided Mindfulness Meditation" by Jon Kabat-Zin. Finally, sleep is an absolute must for both physical and emotional health. If you're having trouble sleeping, there are CDs and downloads to help! Try "Sleep Through Insomnia" by KRS Edstrom.

"Having an actual box, with three-dimensional items, gives patients something tangible to use during a confusing time," Dr. Barr says.

About Niki Barr, Ph.D. (@NikiBarrPhD)

Niki Barr, Ph.D. founded a pioneering psychotherapy practice dedicated to working with cancer patients in all stages of the disease, along with their family members, caregivers and friends. In her book, she describes an "emotional wellness toolbox" patients can put together with effective and simple strategies, ready to use at any time, for helping them move forward through cancer. Dr. Barr is a dynamic and popular speaker, sharing her insights with cancer patients and clinicians across the nation.

Writer-Director Vlad Yudin Spent Months With 7 Contenders
for 'Generation Iron'

Myths abound about the subculture of bodybuilding, a sport that took off with the explosion of the health-and-fitness industry in the 1970s.

Back then, the public knew even less about these extreme and dedicated athletes until the release of a breakthrough docudrama in 1977, "Pumping Iron," produced by Jerome Gary and featuring a champion named Arnold Schwarzenegger.

The film has long fascinated Vlad Yudin, writer, director, producer and principal of The Vladar Co., (vladar.com). He has been busy on multiple film projects this year, but right now his focus is the Sept. 20 release of "Generation Iron," created with "Pumping Iron" producer Gary and narrated by Mickey Rourke.

Yudin spent months with the seven bodybuilders featured in the docudrama as they prepared for the Mr. Olympiad contest. He says he came away with an appreciation of how little the public still knows about the sport and the athletes who so compulsively pursue physical perfection.  For one, many people believe bodybuilding is about size - not true.

"It's about developing symmetry," he says.

Here are four myths he says are rampant in literature about bodybuilders, and why they're not true.

• Myth No. 1: Bodybuilders suffer from "negative body image," or "reverse anorexia." Many observers have written that bodybuilders are driven by an eating disorder known as reverse anorexia: No matter how big they get, when they look in the mirror, they still see a skinny wimp. Not true, says Yudin. "The whole point of this sport is to perfect the physique - the goal is to develop perfect symmetry, not to get as big as you can be. These guys are striving for a perfect score in competition. If they see a weak spot, they're going to work on building that up."

• Myth No. 2. Bodybuilders depend on steroids to achieve results. Steroids do not make champions, Yudin says. Bodybuilding champs are athletes so dedicated to constantly consuming the right nutrients on the right schedule and to working out, it becomes a lifestyle. "People think they're just pumping themselves up with steroids, but bodybuilding is a science that requires effort 100 percent of the time, Yudin says.

• Myth No. 3: Bodybuilders have low self-esteem. For some, this may have been true at one point in their lives, Yudin says. Some experienced bullying; others had acceptance issues. But most now have a healthy, even robust, sense of self-esteem. "You can see it in how they carry themselves. They don't do this because of a lack of confidence," he says. "If they did, they wouldn't be able to go on stage and be judged with such intense scrutiny on their physique. They've put in a lot of work and they know they look good." He gives the example of Phil Heath, one of the seven men featured in his film. Heath grew up as a talented athlete and played basketball for the University of Denver. "He started hitting the gym more to train, and became more interested in bodybuilding than basketball," Yudin says. The two-time Mr. Olympia knew he had talent from the get-go and took advantage of it, he says.

• Myth No. 4: Body builders are socially isolated. They get a rap because they dedicate their life to the gym and their diet, Yudin says. They eat every two to three hours and they're in the gym two to three times a day. You just don't see them out and about very often. "But four of the seven men we featured are married. A fifth lives with the mother of his children, and a sixth got married after we stopped shooting. Their family lives are a big part of the film," Yudin says. While he concedes bodybuilders have to be selfish to a degree in order to maintain their grueling schedule, that doesn't mean they're loners who avoid others.

"Branch Warren is a devoted family man who brings his daughter to competitions," Yudin says. "In the film, you see him carrying his daughter through the back stage."


About Vlad Yudin

Russian-born writer, director, producer Vlad Yudin is the principal of The Vladar Co., a media and entertainment production company. New projects include the ARCANA Comics graphic novel and film "Head Smash," and the bodybuilding docudrama "Generation Iron." A second film, "Catskill Park," a horror movie, is also scheduled for release this year. Yudin is currently working with "Game of Thrones" producer Mark Huffam to adapt the historical fiction novel "The French Executioner" for film. He recently published the graphic novel "Head Smash," which will be adapted for film next year. Yudin directed and produced the critically acclaimed docufilm "Big Pun: The Legacy" (2008), and wrote, directed and produced the dark comedy, "Last Day of Summer," in 2009. Yudin grew up in Russia and New York and is a graduate of Pace University and the New York University Filmmaking Program.

By LUNA JAFFE

Most women would rather have a root canal than talk about money with a professional.

Intense and often complicated feelings surround our relationship with money; shame, guilt, anger, inadequacy, grief and confusion can cloud decision-making, threaten relationships and intensify dysfunctional business practices.

But you know you need financial planning or advice when:

· You have been saving all your life and still have a hard time relaxing because you just don't know if you have enough money to retire, travel, or leaving an inheritance for the kids.
· You just learned that you will be receiving a big bonus or a book advance or divorce settlement and fear you'll blow it.
· You yearn to shift out of a soul-numbing job and don't have a clue how to manage the financial side of following your creative passion.
· Money is a source of tension, resentment, disagreement or anger in your primary relationship.
· You want to start building a nest egg but are late in the game..
· You are tired of feeling anxious and incompetent with money.  You are willing to learn, do the work and take charge of your money

Let's assume the answer is "yes" to at least one of the above.

Even harder than recognizing you need help, is figuring out who to turn to for solid, compassionate financial advice.  The industry is not geared towards talking about money and investing in language that works for most women?it's all numbers and charts and meaningless benchmarks.

The problem with this approach (the one I was trained in) is that it starts in the wrong place.  Typically, a financial advisor will sit down with you at the first meeting and ask to see your statements, and will quickly try to determine where you stand financially.  What's missing from this conversation is the emotional component of your relationship with money.  What are your dreams and fears?  How do you behave when you don't understand what's being recommended?  What successes and failures have you experienced in your life with money?  These questions form the foundation of a feminine approach to financial planning.

Seek someone who shares your values. Such a person is more likely to speak your language.  Ask friends with whom they work with and what they like about the person.  Pay attention to how they describe the adviser and whether it resonates with you.

Then arrange to interview them. Ask questions like these:

· What do you love about being a financial planner?
· What did you do prior to this career?
· How do you help women build financial muscle and competence?
· What other areas of your life do you draw on when working with your clients?
· How do you address the emotional side of money in your practice?

That last question is essential. The challenge of learning how to be in a relationship with your money has little to do with intelligence and everything to do with being taught in a manner and language that you understand. The missing link often is emotion.  It needs to be welcomed and given permission to be present in the room.  Otherwise overwhelm takes over, listening diminishes, and voices from the past rear up their ugly heads.

Find out early in the conversation how the adviser/planner is compensated. Working with someone on an hourly basis is a great way to start since the adviser is focused on advising rather than selling you a "solution" to your problem.  Commission-based advisers can be helpful but only work with you if you invest your money with them.

Consider your experience level. If you are seeking financial advice for the first time, you'll want someone willing to grow with you.  If you have a significant portfolio already, you'll want to know the adviser has adequate skills to help you make solid investment choices, while also developing easy to follow strategies for building wealth, reducing taxes and protecting your nest egg with proper insurance and estate planning.

It sounds daunting, but take it one step at a time. With guidance and accountability from an adviser, you will be surprised at how much calmer and more organized you feel.

About Luna Jaffe

Luna Jaffe, CFP, MA is the author of Wild Money: A Creative Journey to Financial Wisdom and Zguide to Money: A Sassy Woman's Visual Financial Field Guide. She is the CEO of Lunaria Financial, Ltd. in Portland, Oregon.  www.lunajaffe.com and www.lunariafinancial.com.  Securities & advisory services offered through KMS Financial Services, Inc. Member FINRA/SIPC

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