By: Hillel Presser

What differentiates commerce businesses from traditional businesses when it comes to asset protection?

Potentially more assets in need of protecting.

Both types of business owners have assets such as homes, cars and bank accounts that need protection in the event of a lawsuit - whether it's a personal suit or one targeting the business. E-commerce businesses may need more financial protection to cover their wealth of intangible assets, including domain names, website content, intellectual property, trademarks and patents. Additionally, an e-commerce business may prove to be more of a lawsuit liabilitybecause it's vulnerable not only in the state where the storefront or warehouse is located, but essentially everywhere substantial connections are made, including internationally. In that sense, theneed to create, maintain and regularly update an asset protection plan becomes more urgent.

To legally shield wealth from lawsuits and other potential threats, including divorce, business owners of all types should have an asset protection plan. This multi-layered strategy involves a range of techniques to title assets such as homes, savings and property (tangible and intangible) in the event that a claim is brought against the business or owner. It's not a guarantee that the protected person will avoid lawsuits or other financial calamities, but it can guarantee they'll lose fewer assets if the worstdoes happen.

I advise clients to work with an attorney to create a plan that's the best fit for their specific financial situation. Clients should: 1) educate themselves, 2) inventory their wealth, 3) assess their liabilities, 4) decide the best asset protection tactic or strategy to use with each asset inventoried, and 5) execute the plan.

• Educate yourself. Clients should understand what's going on when theirattorney is creating theirplan, how it relates to their life, and what changes will trigger the need for an update. They should learn what they can and can't transfer as well as whothey should and shouldn't transfer assets to, even temporarily. For instance, if they "gift" a home to their children shortly after or in proximity to a civil claim filed against them, in the event of a judgment that gift may be looked upon as a fraudulent transfer. It could be reversed, making their home susceptible to the creditor judgment. Education is key to maintaining long-term asset protection.The Presser Law Firm, P.A. offers complimentary books on asset protection and an asset protection worksheet at www.AssetProtectionAttorneys.com; submit a request in the contact form.

• Inventory your wealth. They should include both tangible and intangible financial recourses. Tangible assets include but are not limited to: their home, real estate, bank accounts, vehicles, boats, etc. Intangible assets include but are not limited to: patents, copyrights, franchises, goodwill, trademarks, domain names and trade names, etc.

• Assess your liabilities, present and future. Some present liabilities could include current creditors (whether or not they have claims against the client), personal guarantees on home or business loans, and the client's marital status as well as longevity of your marriage. Future liabilities include unexpected potential financial risks. A failing business in an economy downturn is a good example.Surely many businesses didn't contemplate their demise in the financial and economic crash of 2008. Those owners without anasset protection plan in place prior to 2008 were out of luck when their life savings, homes, real estate and other wealthy were jeopardized by creditor lawsuits. The best advice fore-commerce business owners is to be proactive - the threat of a suit can bring a business to its knees and the best way to protect themselvesis to practice financial self-defense and lawsuit-proof their assets.

• Decide whether or not to re-title their assets, what entity formations to use, and whether equity stripping is appropriate for assets still inadequately protected. Only non-exempt assets need to be re-titled. Exempt assets are those that cannot be seized in the event of a judgment. All non-exempt assets should be re-titled as exempt assets and/or transferred to more protected entities such as a Limited Liability Company, Limited Liability Partnership or Family Limited Partnership, to name a few. Each entity has its own advantages and disadvantages and each person may have specific needs that make one of these entities more advantageous than the others. Alternatively, these assets can be titled to either domestic or international trusts. International trusts, such as the NEVIS trust, are especially protective because the laws of most preferred international trust locations favor the owner of the trust over creditors. Any unprotected assets can be stripped of their equity. For example, taking out a loan on a home that the client owns free and clear would make them more undesirable to a creditor than if they had full equity in the home.

• Implement the plan and maintain the protection over the years. Asset protection plans should be reviewed at least once a year and whenever there is a potential for litigation. Also, integrating an estate plan into anasset protection plan is essential because an unexpected death intestate could tie up an estate in litigation for years.

Asset protection is important for all business owners in today's litigious society. E-commerce businesses are even more vulnerable to lawsuits and potentially have more assets to protect. Business owners should enlist the assistance of anasset protection attorney to create, implement and help maintain a lawsuit-proof plan, and they should have an estate plan as well.

About Hillel L. Presser

Hillel L. Presser's firm, The Presser Law Firm, P.A., represents individuals and businesses in establishing comprehensive asset protection plans. He is a graduate of Syracuse University's School of Management and Nova Southeastern University's law school, and serves on Nova's President's Advisory Council. The Presser Law Firm, P.A. offers complimentary books on asset protection and an asset protection worksheet to help you create an inventory at www.AssetProtectionAttorneys.com; submit a request in the contact form.

No. 1 Best Investment is a Generator, He Says
By: Louis Scatigna

I live in Jackson, N.J., about 10 miles inland, and did not get the devastating storm surge from Hurricane Sandy. And yet, I have never experienced such a catastrophic weather event.

High winds brought down thousands of trees, taking out power lines and crashing into homes. The destruction here is something I never imagined I would see.

The Mantoloking Bridge, where the sea came into the bay, is where I crab all summer. It's now crumpled in the water, surrounded by flooded homes. It's heartbreaking to see images of the place you love destroyed.

Since most homes did not have power or internet immediately after the storm, we did not get to see the images of ravaged iconic Jersey Shore towns like Seaside Heights, Point Pleasant, Manasquan, Mantoloking, Atlantic City and Asbury Park. Local residents are shocked at the extent of the devastation revealed in newspaper photos. Entire shore towns are gone; there is nothing left.

People are starting to lose it by the day; they've never gone so long without power. People in New York are eating from Dumpsters. The lines for gas, if you can find it, are miles long. A few more days like this and I worry civilization will start to break down.

Thankfully, my family is OK. I'm nutty about preparation, so we have everything we need. It is so important to be prepared for disaster.

Since I had a generator and plenty of fuel, the loss of power was tolerable. I was able to run my refrigerator and freezer, charge my cell phone and iPad, light my house and watch DVDs on the flat screen. The biggest complaint from those without generators has been boredom.

My 4G iPad was a lifesaver. I was able to tune into local radio stations and keep up with the news; view pictures and videos of the devastation; and play games to pass the time.

Water is worth its weight in gold during a crisis, you can never have too much. Canned food, candles, flashlights and batteries are other must-have prep items.

It is very difficult to get gasoline as many stations have no power or have not had any gas delivered. There are mile-long lines at the stations that do have power and gas. The traffic around them is incredible -- it's a wild scene!

Why did so many people have so little gas that they would line up for hours to fill their tank? Because they did not prepare for the major disaster that had been forecast for the greater part of a week. My three cars are all full because I filled up BEFORE the storm.

The Jersey Shore will come back, but it will take a very long time. I feel a profound sadness seeing the beautiful shore destroyed and witnessing the suffering of those who have lost everything.

Please use this tragedy to prepare your family for disaster natural or man made. The best investment you can make is a generator. Buy one BEFORE a crisis hits.

About Louis Scatigna

Louis Scatigna is a Certified Financial Planner, national radio talk show host and author of The Financial Physician: How To Cure Your Money Problems and Boost Your Financial Health (www.thefinancialphysician.com). Lou is a regular guest on both national and local television programs and has been quoted in hundreds of publications and Web sites. He also provides additional comments and advice on his daily blog.

Social media is the most rapidly changing aspect of communications to begin with. Throw in an IPO (Facebook) and a major overhaul (LinkedIn) and modifications are barreling ahead so fast, even the techies seem unable to keep up.

"I'm a big believer in social media marketing for my business, so when I started having a lot of problems with LinkedIn, I didn't wait - I sent an email to the Help Center," says Marsha Friedman, CEO of EMSI Public Relations, (www.emsincorporated.com), in Wesley Chapel, Fla.

"Last week, a 'customer experience advocate' finally emailed me back. He wrote, 'I apologize taking so long to get back to you. We are currently experiencing an unusual high volume of requests due to our recent site enhancements.' "

Many of the changes were implemented Oct. 16 and, as EMSI's social media specialist, Jeni Hinojosa, observes, "It's a great overhaul."

But, she adds, "It must not have gotten much of a test run because the site has been very buggy."

Over on Facebook, Friedman says she's noticed advertisements popping up everywhere - even in her news feed.

"Now that the site has gone public, it's trying all sorts of new tricks to make money for shareholders, but it's creating some problems," she says.

One of her employees got this error message while trying to post to her wall: "The server found your request confusing and isn't sure how to proceed."

Hinojosa offered a brief overview of some of the changes and a solution people are turning to - at least in the case of Facebook.

LinkedIn: "One of the new features I like is that you can check for comments and other activity without getting notices sent to your email," Hinojosa says. "Just go to your LinkedIn page and you'll see the notifications at the top, just like on Facebook."

"The bugs I and others have encountered include being unable to check private messages; sporadically unable to get into groups; and being notified that invitations to join others' networks are waiting - but when I look, I don't see any," Hinojosa says. "When we report the problems, the responses we're getting sound like they're working on them but they're overwhelmed.

"Hopefully, they'll get them worked out soon. The good news is, they're aware."

Facebook: "Sadly, I've been down this road before - and it didn't lead to a good place," Hinojosa says. "Remember MySpace?"

Since its initial public offering in May, Facebook has been making a lot of changes designed to add revenue. The newest of these are a $7 fee for "promoted posts" from your personal page and a $5 to $15 fee to promote posts from your fan page. They're not yet available to all 166 million U.S. Facebook users, according to tech bloggers, because it's still experimental.

Now, those with the option will see a "promote" button next to the "like," "comment" and "share" buttons. Click "promote," put the appropriate fee on your charge card, and that post will go to the top of your followers' news feeds a few times in the days ahead. (It will also wear the Scarlet S label of "sponsored post.") The promise is that more of your followers will see it.

"It doesn't make a lot of sense when applied to personal pages," Hinojosa says. "How many people will pay to show off their vacation photos? But people using Facebook as a marketing tool may be motivated to pay for more reach.

"Soon, everyone will be scrolling through a bunch of 'sponsored' posts before they get to the 'free' ones. If you want someone to actually see your post, you'll have to pay."

That's why, she says, people are jumping to ...

Google+: "If Facebook and Twitter had a baby, it would be Google+," Hinojosa says.

This toddler network, which launched in June 2011, combines Facebook's capabilities for sharing news and photos and Twitter's searchability.

"It allows you to designate one or more "circles" for your friends," Hinojosa says. "One co-worker might be 'business' and 'close friends' while another could be just 'business.' So everyone sees what's appropriate for them based on your relationship."

"Like Twitter, Google+ uses hashtags to help sort information and allow people to search for posts on particular topics," she says. "For instance, if you type #cutecats into the search box at the top of your page, you'll see everything with that hashtag - including comments that incorporate the label.

"What makes me happiest is, Google had its IPO way back in 2004," Hinojosa says. "So we shouldn't have to worry about this company suddenly drumming up ways to make us pay for what we previously got for free."

About Marsha Friedman

Marsha Friedman is a 22-year veteran of the public relations industry. She is the CEO of EMSI Public Relations (www.emsincorporated.com), a national firm that provides PR strategy and publicity services to corporations, entertainers, authors and professional firms. Marsha is the author of Celebritize Yourself: The 3-Step Method to Increase Your Visibility and Explode Your Business and she can also be heard weekly on her Blog Talk Radio Show, EMSI's PR Insider every Thursday at 3:00 PM EST.

By: Charles Gourgey, Ph.D.

It is not unusual today to find the language of religion mixed up with the language of politics. The Republican Party's platform mentions God no less than 12 times, and Republicans have condemned Democrats for not mentioning God in theirs. Many Republican politicians do not hesitate to proclaim their Christian faith as a great motivator of their policies. So we have a right to expect that those policies will reflect godly values and honor the founder of the religion its adherents proclaim.

Mitt Romney and Paul Ryan insist that their tax proposals would not burden the middle class. However, the figures do not support this claim. According to the nonpartisan Urban-Brookings Tax Policy Center (Aug. 1, 2012), "A revenue-neutral individual income tax change that incorporates the features Gov. Romney has proposed ... would provide large tax cuts to high-income households, and increase the tax burdens on middle- and/or lower-income taxpayers."

The great transfer of wealth from the poor to the rich, resulting from our recent financial crisis, will continue.

In addition to more tax advantages for the wealthy at the expense of others, the Republican plan will further shred the social safety net by virtually dismantling Medicaid. It will shrink the program drastically, replacing the current system with block grants to the states. To make up for the shortfall, families who are already struggling will be charged part of the cost of their elderly loved ones' care.

Medicare, too, would change beyond recognition. People would receive a fixed amount from the government to purchase their own plan. Called "premium support," this is really a euphemism for "voucher." These Medicare vouchers will not keep pace with rising health care costs, which traditionally outrun inflation. Medicare as we know it will come to an end. And once again, the burden will fall on the poor and middle class.

How do they justify this? Paul Ryan actually refers to his faith. In an interview with the Christian Broadcasting Network (April 10, 2012) Ryan stated: "A person's faith is central to how they conduct themselves in public and in private. ... To me, the principle of subsidiarity, which is really federalism, meaning government closest to the people governs best."

Ryan found a nice word to theologize his economics. The principle of "subsidiarity" was formalized in 1891 by Pope Leo XIII, who in all likelihood never intended it to supersede the Gospel, or to justify a reverse-Robin Hood economics of taking from the poor to give to the rich. But Ryan sees dismantling the safety net for disadvantaged people as actually helping them, by teaching them "independence." His "preferential option for the poor" means, in practice, cutting their benefits.

These positions are gaining popular support largely because they play on people's fears and resentment. "If I am doing poorly in this economy," one may be tempted to think, "it's because there are so many lazy people who consume my tax dollars without giving anything back."

But many of those who would suffer under Romney/Ryan economics are hard-working and do have jobs. I think of my friend who works long hours at a simple retail job that does not pay what her efforts deserve, and that gives her no health coverage. There are many like her. They work much harder than many who would judge them, including people who live off their investment income and don't work at all. Yet under Romney/Ryan the latter would pay even lower taxes, while the rest would suffer more.

And many others, including older people on fixed incomes; people with severe disabilities (mental, physical, or both) who need government assistance; people who are homeless not by choice but due to mental illness; and people with dementia whose family members may give up their own lives and livelihoods to support them, cannot simply go out and get a job. Many are unskilled and unemployable. Age and disability discrimination are rampant, even though we deny it. Yet in spite of this we seem to have a new Republican Gospel: when Jesus said (Matthew 25:36) "I was naked and you gave me clothing, I was sick and you took care of me" he was encouraging dependence. Better he should have said, "I was naked, I was sick, and you told me to get a job."

This is the politics of resentment, of stigmatizing the poor as parasites who deserve to lose their benefits. In an offhand moment, Romney said it all: These are people "who are dependent upon government, who believe that they are victims, who believe the government has a responsibility to care for them, who believe that they are entitled to health care, to food, to housing, to you-name-it." This resentment is self-justifying: "I have mine, and if you don't have yours, it's your own fault. So lower my taxes."

Those who practice this resentment seem not to mind that in the richest nation on Earth, millions of people go without health care. "Are there no emergency rooms?" they ask, much as old Scrooge asked "Are there no workhouses?" But emergency rooms only stabilize you until you can receive some other form of care - which you won't if you lack insurance. If you have a chronic, degenerative disease, you are on your own. This inequality is criminal, but it is so easy to justify by playing on resentment.

This is the opposite of what Jesus stood for. So those who try to turn him into their political partisan may find themselves in for a shock. When we focus on what Jesus actually taught, we may be quite surprised that he does not share our party affiliation.

Charles Gourgey is a licensed creative arts therapist and author of Judeochristianity: The Meaning and Discovery of Faith (available at Amazon.com), which explores what faith can mean if we restore Jesus's teachings to their rightful place of central importance.

Publishers, Weakly: What The
Penguin/Random House Merger Really
Means
By: Michael Levin

When I saw the word "synergies" applied to the proposed merger of publishing giants Penguin and Random House, I laughed out loud.  "Synergies" is Wall Street-speak for "Let's merge two failing companies, fire half the employees, run the resulting business more cheaply, suck out all the money we can as quickly as we can, and then leave the wounded, gasping beast that is the resulting company to die a miserable, public death."

Which is exactly why "synergies" best describes the merger of two of the biggest names in the publishing industry, which is wringing its hands over the immediate consequences of this deal, which really represents one more death rattle of the once thriving book publishing trade.

Here's what happens now:  lots of editorial, marketing, and other jobs will vanish.  Agents will have fewer places to sell books.  Fewer books will be published.  Authors will get even less money (if that's even possible, since some publishers are paying zero advances whenever they can get away with it).  And the pontificators will pontificate on what it all means to society (not much, since most of society has already given up on reading books).

Here's what happens next:  the remaining major publishers will find it harder to compete, because the resulting publisher (Penguin House?) will be able to produce books more cheaply.  So they'll fire people, merge, fire more people, and eventually roll over and die.

All because publishers never figured out how to deal with the Internet and how to sell books in a wired world.

All because publishers considered themselves "special" and thought they could get away with selling products they didn't market.

All because publishers are English majors wearing Daddy's work clothes and pretending to be business people, running their businesses on whim and gut feeling instead of figuring out what people want and giving it to them, the way smart businesses work.

I have no pity for the fallen publishers.  In Wall Street terms, there isn't enough lipstick in the world to make these pigs kissable.  They had the responsibility to shape society by providing it with books worth reading, to create a cultural legacy for our generation and generations to come.  And instead, what did they give us?

Ann Coulter, Navy SEALs, and Fifty Shades of Gray.

The publishers will blame everyone in sight for their predicament, but this is a self-inflicted wound; what the Brits would call an "own goal."

You can't run a successful business passively waiting for people (in this case, literary agents) to tell you what you should produce.

You can't run a successful business by throwing 10,000 strands of spaghetti (or 10,000 books a year, in Random House's case) against the wall of public opinion and seeing what sticks.

You can't run a successful business selling information in the form of printed books by putting them on trucks to distant cities, hoping that booksellers (anyone who can fog a mirror, run a cash register and repeat the phrase, "We don't have it but we could order it for you") will actively work to sell your stuff to people.

Bottom line:  you can't run a successful business when you are essentially competing with yourself.  If Barnes & Noble doesn't sell a Simon & Schuster book within three weeks, it sends the book back to Simon & Schuster, at Simon & Schuster's expense, only to have that same space on the shelf filled with...wait for it...a different Simon & Schuster book.

That's not marketing.

That's masochism.

A New York editor who worked at Penguin once told me that his boss called all the employees into a meeting and said, "If there's any merger talk, you'll hear about it from me and not from the New York Times."

A few days later, he was reading The New York Times on the subway on the way to work, and read that Penguin was merging with another publisher.

Here we go again.

If it weren't for Fifty Shades of Gray, Random House (and Barnes & Noble, for that matter) would have been on life support.  There would have been nothing left to merge.

Penguin's owner, Pearson LLC, is the smartest guy in the room, dumping off Penguin's trade publishing on Bertlesmann, a German conglomerate which somehow still thinks it can make money selling books.

And now a few thousand more publishing employees are going to leave the world of books and hit the bricks.

So let the handwringing begin.  The collapse of a once proud industry has taken a giant step forward.  And there ain't no synergies in that.

New York Times best selling author and Shark Tank survivor Michael Levin runs www.BusinessGhost.com, and is a nationally acknowledged thought leader on the future of book publishing.

Duct Tape My Software And Hope For The Best?
By: Joe Thomas

The clients are different, but the question is always basically the same. Can you redesign my website? 

It doesn't matter how the question is phrased, every time it's asked, I give the same response:

There is no such thing as a Re Design. It's true; a redesign of a website is simply a repackaging. It's taking the same content and putting it in a new dress. Or taking the same software or function and adding some make-up. Now seriously, why would you want to do that?

There can only be a handful of reasons to even entertain the thought of it:

1. The current site doesn't work. It's broken, kaput!
2. The current site is no longer effectively selling your product or service.
3. It's outdated and ugly.
4. You just woke up and decided to change everything for the sake of changing things.
5. Somebody told you it was a good idea.

Here's a breakdown of those reasons, and whether or not a redesign is the solution.

1. If the current site is broken: Well if it's broke, you've got to fix it. And if it needs to be fixed, why use duct tape and glue? Building it correctly from the ground up is a smarter use of your money, and will most likely cost you the same thing - or less. And you can build it with the latest technology, optimized for search, easier updating and better functionality

2. If the site is no longer effectively selling your product or service: Why repackage something that doesn't sell? A good developer will tell you why it's not selling - he just needs to look at the data. Let him show you why it's a lame duck, then have him give you the alternatives.

3. If it's outdated and ugly: Well this is pretty self-explanatory but I will say this: I've seen a lot of "ugly" sites sell a lot of product; don't base your decision on ugly - that's a matter of opinion. I've told many people with ugly sites NOT to touch them. Hey, if they sell, who cares what they look like, right? Outdated is a different story. You can't compete with today's sites using outdated technology. Just ask MySpace

4. If you just woke up and decided to change everything: Go shoe shopping. Buy a new hat. But realize when you call a web developer, you're not going to be happy with anything he does. You'll be wasting your money and driving some poor developer nutso for nothing.

5. If somebody told you to redesign your website: Odds are, that person is a web designer - NOT a web developer, and trust me, there is a huge difference between the two. A web designer is going to give you exactly what you ask for - the colors, the content, the buttons, the pictures - the exact website you tell him to build. A web developer is going to tell you honestly if and why you're wrong about all of those things. A developer is going to tell you that your bio is great, but it doesn't sell you. Or that your photos make you look like an alien life form. A developer is going to tell you how and why to build it this way. And let's be honest - if you knew the exact site you needed to have with the colors, content, buttons and pictures, you wouldn't need to hire someone would you?

If I want to build a house, I'm going to call a guy who builds houses, not a guy who paints them.

So, when is it time to redesign? If your site isn't selling, it's possible that tweaking the content, navigational tools or other elements will help. But before you decide a paint job is the answer, consult a web developer, who can provide an objective opinion based on quantifiable data.

When is it time to build anew? If your site is broken or outdated, it may be time to tear it down to the studs and start fresh, using all the new wisdom and whirligigs that have become available just in the past five years or so.

In either case, I suggest staying away from the duct tape.

About Joe Thomas

Joe Thomas is the founder and owner of Left Brain Digital (www.leftbraindigital.com), a web development company. He's an award-winning web designer/developer with more than 18 years of experience in print and web design and development. Thomas' work became a major influence in graphic and web design in the "Y2K" era of the Internet's dot-com explosion.

God Meets Science

In the Presidential Election, the Two Don't Get Along. But Should They?

By: Daniel Friedmann

Do you believe that evolution should be taught in public schools, and that it should be presented as the only explanation for how the species arose?  Based on statements made in the past few years by President Obama and Republican nominee Mitt Romney, it appears they both would answer "yes."

However, Romney's fellow Republicans don't all agree. For example, Republican Congressman Paul Broun from Georgia recently announced that evolution, embryology, and the Big Bang theory are "lies straight from the pit of hell."

Furthermore, Romney may have recently changed his mind since in the first presidential debate he stated, "We're all children of the same God" -- in stark contradiction to evolutionists' conclusion!

Meanwhile, only 15 percent of the US population believes in naturalistic evolution as the explanation for our origins!

And while the Catholic Church has stopped arguing against scientific findings such as the age of the universe or when life first appeared, it holds that whatever happened was guided in some way by God; in agreement with nearly half of Americans.

For the past couple hundred years, the creation-evolution conflict has been a recurring point of contention in the United States, from the presidential election to what should be taught in schools. American science legend Carl Sagan tried to settle this conflict by calling both camps "non-overlapping magisterial" - in other words, science and religion each preside as the source of wisdom over separate domains.

However, most of us feel that Sagan's explanation is not right. In fact, it turns out that a significant portion of Americans believe science and religion can coexist when it comes to explaining our origins.

The problem between science and religion did not originate over the question of HOW we came to be ? creation vs. evolution ? but over the question of WHEN the Earth came to be.  The creation-evolution conflict was sparked when early geologists began to find evidence that the Earth was older than the Bible seemed to indicate.

Today science tells us that the universe is 13.7 billion years old and the earth 4.5 billion years old; seemingly in contradiction to the biblical creation timeline of six days, less than 6,000 years ago.

A couple years ago I found the blueprint for my house, a piece of rolled up paper with lots of lines that bore little resemblance to my beautiful three-dimensional home. I could not make heads or tails of the blueprint. That is, until I saw the scale: 1 inch equals 8 feet. Now I could compare the blueprint and the house - everything matched, at least as to what it was and how big it was.

Now, the Bible claims to be the blueprint for the universe; but has anyone bothered to look for the scale of this blueprint? I mean, the story is narrated in creation days (analogous to the role of inches on the house blueprint), but what are these creation days in the physical structure, the universe?

It turns out that the Scriptures contain the scale ? it has been found: 1 creation day is 1,000 X 365 X 7,000 or 2.5 billion years. That's right, the scale is really simple, it's been there all along,  and when you apply it to events in Genesis, it converts 19 events to the time we measure in science.

What do we get after converting these events? Agreement within measurement error; very old Scriptures contain the times for key events relating to the development of the universe and the appearance of life on Earth that science has only recently uncovered.

So if both science and the Bible agree on what happened and when it happened, why keep arguing?

Because there is still the HOW it happened. But having found agreement on the "when" and the "what," sheds new light on the issue. It is time to check out the scale, reread the biblical blueprint and stop the 200-year-old argument in politics, education....

Daniel Friedmann is the author of The Genesis One Code, and CEO of an aerospace company. He has a master's in engineering physics and 30 years' experience in the space industry, and has published more than 20 peer-reviewed scientific papers. He is also a long-time student of cosmology and religion.

Consider Buying Your Office Space, Expert Advises Small Businesses

The '5 Cs' Lenders Look for When Considering Applicants

It's not a question of if, but when most business owners should think about owning commercial property, says financial expert and small-business advocate, Chris Hurn.

Owning your workplace is a path toward long-term wealth - one that doesn't rely on constantly bringing in new income, says Hurn, author of "The Entrepreneur's Secret to Creating Wealth: How the Smartest Business Owners Build Their Fortunes," (www.TheEntrepreneursSecretBook.com).

"Once they've established their business, usually after about three to six years of operation, they should look into property ownership - owning their store, office, or other workspace," says Hurn, who has been featured in the Wall Street Journal, the New York Times, Bloomberg Businessweek and other financial publications and TV news shows.

"The smartest way to do that is through the SBA 504 - a little-known loan program administered by the Small Business Administration. It offers long-term financing at below-market fixed rates, which businesses generally can't get through banks."

Whether or not business owners qualify for the SBA 504, they will benefit by knowing the "five Cs" lenders look at when considering loans, Hurn says.

• Collateral: Lenders - usually banks - will want to know that the property in question is worth the loan. The property to be purchased is the lender's collateral, so it must have the potential to cover the loan if for some reason owners can't. Lenders will consider the age of a property and other factors, including whatever equipment may be involved.

• Cash flow (or capacity): The lender will look to see how much cash the business generates along with the amount of existing and proposed debt. In other words, they'll want to know the cash available to service the total debt. A lender will also consider current rental payments, plus noncash expenses such as depreciation, amortization and interest costs.

• Credit analysis: This reveals the business owner's history of making good on debts and other obligations. The higher the credit scores, the better. Lenders generally shy away from credit scores lower than 650, however, they will often listen to credible explanations on lower scores.

• Character: Numerous late payments, for example, suggest that owners do not manage debts responsibly, which will likely be indicated in a credit score. Factors that determine character judgment are largely subjective. An applicant can supply evidence in his or her favor.

• Conditions: What are the conditions in the industry and the economy? The better those conditions, the more likely lenders are to give applicants a plus in this bracket. Conditions are often out of a borrower's control, which makes a positive showing of the other four factors that much more important.

About Chris Hurn

Chris Hurn is CEO and co-founder of Mercantile Capital Corp. based in Orlando, Fla. MCC has earned numerous accolades and has been featured in the Wall Street Journal, the New York Times, Bloomberg Businessweek magazine, Forbes and SmartMoney, among others. Hurn has been a frequent guest on Fox Business News and PBS. He graduated from Loyola University Chicago with two magna cum laude bachelor's degrees and earned his master's degree from the University of Pennsylvania's Fels Institute (formerly at the Wharton School of Business).  He is also the CEO, chairman and co-founder of an upscale men's barbershop franchise called Kennedy's All-American Barber Club.

Special Ed Students, Diversity & the Benefits of Inclusion
Friendship, Learning are a Two-Way Street, Says Doctor

For orthopedic surgeon Sean Adelman - a father of three, including Dev, a high-school age daughter with Down syndrome - life lessons are not the exclusive province of the young.

"As a dad, I have often been reminded of the poet William Wordsworth and his line, 'The child is father of the man,' " says Adelman, author of Sam's Top Secret Journal (www.raiseexpectations.com), the first in a the first in a Nancy Drew-style children's book series featuring a protagonist with Down syndrome.

"I think most parents have this experience that, while it's our job to teach our children how to grow up and function in a society, we are constantly learning ourselves. They force us to rethink the basics as we help mold them into mature human beings."

Of course, much of a child's development is out of the hands of parents, he says. School and other social functions provide many first worldly experiences that are so important to developing students. And that makes diversity so important.

Various studies have shown that not only do those with learning challenges benefit from "inclusive education" - a movement that integrates special-ed students with non-special-ed students - but also the rest of the student body.

Adelman explores how inclusion benefits the entire student body:

• Empathic development: To a significant extent, society is a social contract among citizens. That means, at the very least, good behavior is required of individuals. At best, however, citizens recognize that we are social creatures who need each other, and the best way to a better society is to have empathy for our fellow human beings. During the 1990s, inclusion of special-ed students jumped from 48 percent to 70 percent, according to the U.S. Department of Education. Despite concerns at the time about teachers' ability to attend to the needs of all their students in such classes, a Zigmond and Baker study showed teachers did not lose their effectiveness. The famous study also showed that the students treated each other better in general. Children learn that everyone needs help from time to time, and it's as gratifying to provide it as to receive it.

• Diversity and the real world: Children who attend inclusive schools, where all children are mainstreamed, are better able to navigate the complexities of our diverse adult society. Students with and without special needs benefit from exposure to classmates who face different life circumstances. Studies from the National Center for Special Education Research, among others from throughout the world, support claims of mutual benefit from special-ed and non-special-ed students with integration. For a well-rounded character and personality, young people need to be exposed to the many faces of humanity in terms of race, economic background and those with special needs. In addition to this personal edification, a professional career demands social grace and comfort in a diverse work environment.

• The meaning of friendship: Children need to develop social skills and to know how to create and sustain meaningful friendships for a healthy adult life. We may lose wealth, youth, health, and spouses. Friends, however, are often the most reliable emotional resource in life. Friends must learn to accept one another's limitations and flaws, and to complement one another's weaknesses by contributing their strengths. Friends also quickly learn that superficial differences are far less important than shared values, trust and humor.

About Sean Adelman

Sean Adelman is a practicing orthopedic surgeon and advocate for exceptional kids in Seattle. He and his wife, Susan, have three children. Adelman wrote the "Sam's Top Secret Journal" series to show the similarities the protagonist shares with other children, and to explore how differently-abled individuals benefit society.

Tips for an Easy 5-Step Rehab

Between blow-drying, teasing, flat-ironing, highlighting and lowlighting? there are many ways to change what Mother Nature gave us. But whether you're regularly straightening curls, lightening darker hair or vice/versa, there may be a price to pay for rebelling.

But most women don't think twice about the hair habits they've had for years and years, says longtime hair-care advocate and health scientist Audrey Davis-Sivasothy.

"Lackluster, frazzled, overworked hair?that's the price we pay for handling our hair like a pair of jeans. Hair is a fragile fiber that needs to be handled more like a silk blouse," says Davis-Sivasothy, author of "Hair Care Rehab," (www.haircarerehab.com). "Oftentimes, the style we feel the most comfortable with reinforces our bad habits. It's a problem with all the earmarks of an addiction."

Substances of choice include :

· Toxic chemicals (perms, relaxers & colors)

· Hair OCD (excessive combing, brushing & heat use)

· Environmental lifestyle (too much exposure to sun, surf, bad air and water)

· Nutritional/dietary (fad diets, smoking, low water consumption)

As with a drug addiction, once you've kicked your habit, you'll liberate your bad hair, unlocking new dimensions of hair potential, says Davis-Sivasothy, who has also authored the popular "The Science of Black Hair" (www.blackhairscience.com).

She offers a five-step rehab for damaged hair:

1. Chelating your hair: Products containing oils, conditioners, serums and pomades (or minerals), which make you feel better in the short term, can build up and actually prevent your hair's ability to hydrate. That's why the first step in detoxing hair is the use of chelating shampoo, which is typically clear and lifts stubborn buildup from products and hard water. While many chelating shampoos are sulfate-based, there are more sulfate-free products entering the market to accommodate sensitive scalps and hair. Clarifying shampoos are a good substitute when chelating shampoos cannot be found. Moisturizing shampoo should be used for general use after detoxing is complete.

2. Deep conditioning your hair: After chelating, deep condition for 10 to 15 minutes. This should be done every seven to 10 days using moisturizing conditioners such as instant and cream-rinse, deep conditioners, protein treatments or leave-in conditioners. To go the extra mile, consider an apple cider vinegar rinse to close the cuticle and enhance your hair's shine.

3. Moisturizing your hair: This step adds a layer of leave-on protection. You can use either leave-in conditioner or a dedicated moisturizing product, or both. For thick, dry or curly hair, this step hydrates and adds "slip." For fine or oily hair, these products should detangle strands while encouraging volume.

4. Sealing your hair: This is the last major step in your hair intervention. Sealing with an oil or butter product locks in moisture and solidifies the gains of rehab. It smoothes out the cuticle and keeps hair moisturized for a longer period. Always use sealant on slightly dampened or misted hair, or pair the product with a water-based moisturizer to maximize the benefits. If you have naturally oily hair, you can skip this step.

5. Styling your hair protectively: Imagine wearing a favorite sweater every day; washing, drying and ironing it several times a week - it would look pretty worn out after a few years! This is exactly what happens to hair that is bleached, colored, blown dry with artificial heat, ironed, weaved and on and on. Don't do this anymore! There are several measures you can take to preserve the health of your hair, including wearing it up more often, cleansing it cautiously, detangling strands with a large-tooth comb, protectively using blow-dryer heat, reducing chemical use and not coloring your hair more than three shades lighter or darker than your natural color. In general, be gentle. Do not pull to hard or rapidly when styling it, too; be slow and steady.

About Audrey Davis-Sivasothy

Audrey Davis-Sivasothy is a Houston-based freelance writer, publisher and longtime, healthy hair care advocate and enthusiast. Sivasothy holds a degree in health science and has written extensively on the science of caring for hair at home.

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