The statistics are overwhelming and irrefutable: The less education a person has, the more likely he or she will end up in jail or prison.

Once in prison, the more education an inmate receives, the greater the chance he or she will remain free once released.

"The correlation is so dramatic, I can't understand why we as a nation are more interested in building and filling prisons than in educating people who haven't finished high school or could benefit from post-secondary school," says advocate Adam Young, citing a recent Huffington Post news story about Corrections Corporation of America. The business is attempting to buy prisons across the nation - with the stipulation that states agree to keep them 90 percent full.

Young, www.communityservicehelp.com, partners with charities to help people sentenced to community service get credit for taking classes like algebra and English instead of picking up trash. He says it just makes sense to take advantage of any opportunity to educate people who've already had a brush with the law.

"About 40 percent of all U.S. prison inmates never finished high school, and nearly 44 percent of jail inmates did not complete high school," he says, quoting from a 2003 Bureau of Justice Statistics Special Report. "More current data shows that hasn't changed. In Washington, D.C., for instance, 44 percent of Department of Corrections inmates are not high school graduates. Less than 2 percent had 16 years or more of schooling.

"Isn't it better for all of us, for both economic and public safety reasons, if we help educate people so they can get jobs?" he asks.

The trend of budget-strapped states looking to economize by selling their prisons to Corrections Corporation worries Young. As the business cuts expenses to boost profits, prison-run GED and college degree programs will likely be among the first on the chopping block, he says.

"If states really want to save money, they should address recidivism through programs that include education," Young says. "There's a 2011 Pew Center study that found the 10 states with the highest recidivism rates could save $470 million a year, each, if they lower those numbers by just 10 percent."

Those states are Alaska, California, Connecticut, Illinois, Missouri, New Jersey, New York, North Carolina, Ohio and Texas.

A widely cited 2006 study of two groups of inmates in three states found that those who participated in education programs in prison were less likely to be arrested again within three years of their release, and more likely to be employed. Of the inmates tracked, 31 percent of those who did not take classes were back in prison within three years compared with 21 percent of those who did study.

Arizona, South Carolina and Nevada all have recently passed laws that allow inmates to cut their sentences or shorten their probation by doing things like taking classes, Young noted.

"In early February, there was an interesting conversation about education and crime on Real Time with Bill Maher," he says. "Maher said, 'If you spent the money you were spending to send people to prison on schools, those people wouldn't wind up going to prison.'

"He's 100 percent correct on that."

About Adam Young

Adam Young is a longtime internet marketing professional who launched his educational community service alternative in January 2011. He was inspired by a minor brush with the law when he was an 18-year-old; the community service hours he received cost him his job and nearly caused him to drop out of college. Through his website, offenders have logged more than 300,000 hours of self-scheduled schooling that allows them to remain employed while completing service hours. Young advocates education as the most cost-effective tool for rehabilitating offenders.
Expert Offers Tips for Living True to Yourself

What is the No. 1 regret of hospice patients in their dying days?

"They wished they would have lived life the way they wanted to, not the way others wanted them to," says Kathie Truitt, author of The Hillbilly Debutante Café (www.hillbillydebutante.blogspot.com), quoting an article by former palliative care worker Bronnie Ware.

Truitt changed her life by necessity after a devastating series of events led to the loss of her home and career. Like many Americans who lost it all in the recent recession, Truitt decided to go about things differently the second time around.

"I got rid of the socialite sweater sets, the business suits and pumps, which were not me, and went to what is me - vintage dresses and cowboy boots," she says. "I live in the Washington, D.C., area because I have too. But I don't have to conform to how other people look, dress and behave here. I surround myself with the things I like; I have a country-style house, I drive a pickup, and, once a month, I take a ride out to one of the places featured in Southern Living magazine."

You don't have to have a lot of money to live a life truer to your spirit. Truitt offers some suggestions:

• Make location a state of mind. Does your heart yearn to be somewhere else? You're in Kansas, but you long to live on the beach, or you're in the city but you're a country person, like Truitt. If you can't follow your heart, bring that place to you. If you love all things Paris, for instance, decorate a room or your whole home Parisian style. Instead of going to the grocery store once a week, find a market and stop in every day for fresh food, the way the French do. Ride a bicycle; put a picture of the Eiffel Tower on your desk at work; eat lunch al fresco. Take a French class and maybe you'll meet some like-minded friends.

• Turn your passion into a career. You don't have to give up your day job to pursue a career doing what gratifies and satisfies you. If you love playing music, set aside time to practice and write songs. Pursue opportunities to play at local events; create video recordings and upload them to YouTube (it worked for Justin Bieber!); offer to perform at your place of worship. Whether you dream of writing a novel, designing jewelry or being a race car driver, working at it even part-time will help you feel fulfilled.

• Take the plunge and start your own business. In 2011, entrepreneurs started 543,000 new businesses each month, on average, among the highest startup rates in 16 years, according to the most recent Kauffman Index of Entrepreneurial Activity. With all the tax breaks and incentives being offered to small businesses now, it's a good time to open that restaurant you always wanted, or launch that graphics design studio. You'll never know until you try!

As for Truitt, she would love to be back home in El Dorado Springs, Mo. Since she can't be there, she wrote a novel set in the small, southern town, which is struggling financially. She hopes to fan interest in tourists visiting the town to meet the business owners described in her book, and see the sights. To that end, she's also organizing an Antique & Book Festival there on April 14, preceded by a Hillbilly Debutante ball - featuring vintage prom dresses and plaid tuxes - the night before.

"There are many ways to live your dreams," Truitt says. "You're limited only by your imagination. I don't want to be that person looking back on my life and regretting that I lived it by someone else's rules."

About Kathie Truitt

Kathie Truitt is a former radio personality and speaker in the South, where she was crowned Mrs. Missouri America. She's the author of False Victim, a memoir about the nightmare of events that forced her from her home. She sells vintage-style clothing, accessories and jewelry at www.hillbillydebutante.blogspot.com.

Author Applies Lessons Learned Pursuing Pro Golf Dream

With about 12 million Americans out of work and another 2.5 million working less than they want, it's surprising that we could be facing a labor shortage in the near future. In just six years,  there could be more jobs than people to fill them, according to recent research funded by MetLife Foundation and Civic Ventures.

In addition, as many as 8 million people in this country have finished one career and started a second, says Keith Gockenbach, a chemical engineer who retired to pursue dual second careers as a professional golfer and author.

In his book, Inside, Outside, and On the Ropes: Life Lessons from Q-School and The Majors (www.insidetheropesgolf.com), Gockenbach writes about the lessons he learned while trying to make the PGA's Champions Tour. They're lessons that also apply to job hunters and those seeking a new, perhaps more gratifying career.

"I was able to pursue my dream but the odds were long. Looking back, I saw much of what I learned could easily apply to other professions. I learned these things on a golf course but they can work anywhere," Gockenbach says. "Don't sell yourself short in golf or in life."

One he found most personally useful emerged as he battled the frustration and disappointment that come with weekly battles just to make the next tournament.

"You have to fight your way back the same way you'd eat an elephant," he writes. "A little at a time. Patiently. Calmly. Pace yourself. One shot at a time."

Some others:

• Know the rules. Breaking a rule, even inadvertently, can cost you the game -- or the job. And in real life, as in golf, ignorance is no defense. Don't break the basic, common-sense rules associated with integrity - for instance, don't lie on your resume. And do take time to learn the rules and expectations relevant to the job you want and the field you want to work in.

• You can only take what the course gives you. You can't live your life looking backward. If you make a misstep during an interview, don't agitate about it all night. Get up the next morning and do something positive for someone.

• Don't scrimp on the important stuff. Buying a high-quality suit and new shoes before an important interview or presentation might cost $1,500, but it could earn you a better job or promotion. Invest your money where it pays off.

Gockenbach's book chronicles his quest to play in professional golf's Champion's Tour for players 50 and older. It's the story of a day-to-day struggle for someone reviving the dream of his adolescence fairly late in life.

His efforts crystallized in his final lesson: "Chasing a dream is a job, not a hobby."

"It's the extra two or three hours every day that the professionals put into practice (both physical and mental) that make a difference, even when they're playing in a tournament," he writes.

About Keith Gockenbach

Keith Gockenbach grew up in Robinson, Ill., and caddied for pros during tournaments there. The top graduate in chemical engineering at Clemson University in 1977, he started a successful career at Eastman Chemical Co. He retired in 2004 from his first career to pursue his dream of professional golf. He played in the 2006 U.S. Senior Open and 2007 (British) Senior Open as well as six Champions Tour Q-Schools.

Expert Offers Tips for Selecting Insurance Options

Thanks to Baby Boomers and modern medical marvels, more Americans than ever are heading into their senior years, and they're expected to live longer than ever, too. Barely 50 years ago, our average life expectancy was 62.5 years; today that number has risen to 78.2 years, according to the U.S. Census Bureau.

That means that more Americans than ever will also soon be deciding how to handle their eldercare. Steve Casto, Retirement Income Specialist and author of Is Your Retirement Headed in the Right Direction?, (www.stevecasto.com), says there are important questions and answers to consider before making that critical decision.

"The key thing to balance is the difference between what you think you'll need and what you can afford between your liquid assets and insurance coverage," Casto said. "If you don't start by asking yourself the right questions, you'll never get to the answers that will lead to a successful long-term care plan."

Here are some questions - and their answers:

Q. Should I opt for nursing-home or in-home care insurance?
A. When selecting insurance plans, protect against your worst risk first. In-home care is more about maintenance, while care outside the home is focused on crises. Home care is good for when a person needs help getting around. If he has a stroke, he'd need to be cared for outside the home initially, so there is a need for both.

Q. What should I select as my daily allowance?
A. If your health deteriorates, a daily allowance of $100 per day could cover all your care outside the home, but only a third of the care inside the home. Your home-care costs could rocket to more than $400 or more per day, so plan for the worst.

Q. What is an elimination period?
A. Sometimes referred to as the "waiting" or "qualifying" period, this refers to the length of time between the beginning of an injury or illness and receiving benefit payments from an insurer. With long-term care, the typical elimination period is 90 days, which means you are responsible for covering the first 90 days of care on your own. Most people believe that Medicare covers the first 90 days, which is dead wrong. It only covers it under certain conditions, and not all patients meet those conditions, which include :

o A nursing home stay that follows a three-day hospital stay
o Admission to a nursing home within 30 days of hospital discharge
o A Medicare-certified nursing home
o Physician-certified need for skilled care on a daily basis

Your best bet is to be insured through a long-term care policy for that first 90 days.

"These are just a few of the issues," Casto says. "A good starting point for those planning early is to completely discount the idea of getting a dime from Medicare. Even if it is still around when you need long-term care, the restrictions on Medicare are tightening. You'll be lucky to get the program to pay for 10 percent of a nursing home stay.

"The real answer is to get a solid long-term care insurance policy that is based on a sound plan."

About Steve Casto

Steve Casto is founder and president of Strategic Wealth Solutions, Inc. an Omaha, Neb.-based financial firm that manages money for investors in the Midwest. Steve helps clients reduce their tax bill, minimize their risk, and ensure they don't outlive their money. He's the author of Is Your Retirement Heading in the Right Direction? and offers presentations on how to increase income while reducing taxes.

Spot Early Signs of a Struggling Young Adult

Adolescence is difficult in the best of times. It's doubly stressful for kids today; they're experiencing the same worries and insecurities as adults in this troubled economy, and with far fewer coping skills. From families struggling with joblessness and foreclosure to increasing competition for college admissions to the normal fears associated with impending adulthood, they're particularly vulnerable.

"Teens who are overwhelmed by stress often are unable or unwilling to ask for help," says noted psychologist Dr. Gregory L. Jantz, (www.drgregoryjantz.com), author of When Your Teenager Becomes...The Stranger in Your House.

"But the longer they continue to flail and struggle emotionally, the greater the chance they'll develop more serious problems like clinical depression, generalized anxiety disorder, dependence on alcohol or drugs and, sadly, suicidal tendencies," Jantz says. "It's up to parents and other adults to recognize when a teen is struggling and intervene."

So how do you know when typical teen characteristics, such as moodiness, have moved beyond "normal?" Jantz offers these tips:

• Arguing is normal; constant anger is not. Sometimes teens argue just to argue. It allows them to let off steam, express their displeasure about life in general and test boundaries. The occasional dramatic meltdown is to be expected. But it's not normal for a teen to be angry and hostile all the time, constantly fighting and yelling.

• Withdrawal from parents is normal; pulling away from family and friends is not. Expect your teen to start pulling away from you - unless she wants something - and occasionally from their friends, as well. Sometimes, they just need to pull back for a few days, even from friends. But when they appear to isolate themselves for weeks, spending weekend after weekend alone in their room, they may be struggling with depression. Socializing with friends is one of the first things to go as depression sucks the joy out of life.

• Anxiety is normal; feeling constantly overwhelmed is not. Teens have a lot to be anxious about - the prospect of independence is both exhilarating and terrifying, so some worrying is to be expected. But a teen who seems to be, or says he is, struggling daily with stress needs help. Two types of kids are especially vulnerable to developing generalized anxiety disorder, a heightened, constant state of anxiety: The worker bee perfectionist who crams his schedule with activities, responsibilities and tasks, and the kids who worry so much over anything, they can't get anything done.

• Being upset for days after a bad experience is normal; more than two weeks is not. Teenagers tend to react dramatically when things go wrong - their boss chews them out, they fail a test, they get in an argument with their sweetheart. Adults know from experience that these things aren't the end of the world and all will be well again, but teens lack that perspective. It's normal for them to be in a bad mood about it for a few days, but to dwell on the problem for more than two weeks indicates they're struggling.

The most recent data available, which is about 3 years old, puts suicide as the third-leading cause of death for teens after unintentional injuries (such as car accidents) and homicide, according to the National Alliance on Mental Illness. More than 2 million teens attempt suicide each year.

"I suspect new data will put suicide as the second and possibly even the leading cause of death for that age group, because depression is the biggest risk factor," Jantz says. "We're seeing more teenagers suffering from depression in recent years because of the economy and overstimulation by technology."

Visit www.aplaceofhope.com for an online survey to see if you or your teen is showing signs of depression (click "Depression" and then "Depression Survey" in the drop-down menu)."

About Gregory L. Jantz, Ph.D.

Gregory Jantz has more than 25 years experience in mental health counseling and is the founder of The Center for Counseling and Health Resources, near Seattle, Wash. The Center, "a place for hope," provides comprehensive, coordinated care from a treatment team that addresses medical, physical, psychological, emotional, nutritional, fitness and spiritual factors involved in recovery. He is the best-selling author of more than 20 books on topics from depression to eating disorders.

Financial Planner Offers Premium Solutions to Gas Price Pain

There is nothing that makes your wallet squeal louder today than pulling into the gas station and dropping $50. Gasoline prices have risen more than 12 percent over the past 12 months, and some experts are predicting they'll reach $5 per gallon in the next six months.

The average household now spends $50 per month more on gasoline than last year, notes financial planner Rick Rodgers, author of The New Three-Legged Stool: A Tax Efficient Approach To Retirement Planning (www.TheNewThreeLeggedStool.com).

"But that's not the whole picture," Rodgers says. "Higher fuel prices affect a lot of other expenses in the family budget, from heating to food. The government estimates the average household is spending $150 per month more this year because of higher oil prices."

You can try to ease the pain at the pump by using your car less, but you should also look for other places to offset that extra $150. Car insurance is a good place to start.
According to the Insurance Information Institute, the national average auto insurance premium is $850 per year. Can you reduce that? Rodgers says you probably can. He offers six ways:

• Shop around regularly. Your insurance agent doesn't have a lot of incentive to reduce your premiums.  I recently met a consumer who told me he had been with the same agent for 15 years. After he shopped his insurance with another agent, he saved $1,600 on his premiums for all his coverage. The internet makes it easy compare costs for the same coverage, or you can get an independent insurance agent to shop for you. Contact the Independent Agents Association at (800) 221-7917. (Be sure the company you go with has a good credit rating and claims-paying history.)

• Bundle your coverage. Bundling is combining different types of policies (auto, homeowners, liability, etc.) with the same company. The theory is that the company will discount the premiums if they have all of your business. The most common combination is packaging your auto insurance and homeowner's policies together.  Or, find companies that will bundle auto insurance with renter's or tenant's insurance.  Bundled packages usually result in a 10 to 15 percent savings.

• Ask for discounts. You may qualify for discounts, but you won't know until you ask. They're commonly offered for good driving records, anti-theft devices, vehicle safety features (anti-lock brakes, air bags, automatic seatbelts), low annual mileage and insuring more than one car. The spunky Flo from Progressive claims discounts are also available for buying your policy online, paying in full up front, and being a loyal customer.

• Take a defensive driving class. Even if you've been driving for years, you can learn a lot from driver education and most insurance companies recognize the value of a refresher course, which can help you avoid accidents. The amount of discount varies by insurance company and from state to state, although most insurers offer a 10 percent discount on your premium for three years.  AARP offers a driver safety program for those over age 50, and it's available online.

• Increase your deductible. Do your auto and homeowners policies have low deductibles?  If so, you may be able to reduce your premiums 15 to 30 percent by raising the deductible on your collision and comprehensive coverage.  Make sure you have an emergency fund set aside to cover the cost of repairs before you make the change. But your homeowners policy may be the first place to consider raising the deductible, since statistics show the average homeowner files a claim only once every nine years. Be sure to check with your mortgage holder first; some specify maximums.

• Change Cars. This is probably the most difficult savings tip to implement but may have the largest impact on your premium.  Used cars are cheaper to insure than new ones (excluding antiques); sports cars are more expensive to insure than minivans. Insurance companies like cars with safety features and low repair costs.  Insure.com surveyed 900 vehicles in the 2012 model year and lists the rankings from the most expensive to least expensive on their website.  Six of the 10 cheapest were minivans.

About Rick Rodgers

Certified Financial Planner Rick Rodgers is president of Rodgers & Associates, "The Retirement Specialists," in Lancaster, Pa. He's a Certified Retirement Counselor and member of the National Association of Personal Financial Advisers. Rodgers has been featured on national radio and TV shows, including "FOX Business News" and "The 700 Club," and is available to speak at conferences and corporate events (www.rodgersspeaks.com).

Understanding and Managing a Potential Preterm Pregnancy

Every year, 1 million U.S. women with high-risk pregnancies are placed on bed rest to protect their developing babies. Despite that, every year, about 500,000 newborns - one of every eight - arrive too early, according to the Centers for Disease Control.

Enduring a high-risk pregnancy can be an overwhelming experience of stress, fear and unknowns, leading to more questions than answers. Many of these moms adhere to strict regimes of bed rest; face major changes in lifestyle and relationships; and are subject to dozens of doctor visits and even surgery or medications to protect their unborn children. For them, birth may not be the joy-filled event most families expect.

Knowing those feelings all too well, research scientist Kelly Whitehead wrote High-Risk Pregnancy: Why Me? Understanding and Managing a Potential Preterm Pregnancy (www.hrpwhyme.com), which is backed by fetal and maternal medicine specialist Dr. Vincenzo Berghella, a top pre-term birth researcher. Whitehead's first child died following his premature birth. During her next pregnancy, she spent 4½ months in bed worrying over and trying to protect her daughter.

The book is both a medical reference and provides emotional support for mothers-to-be, with Whitehead providing answers in layman's terms to the myriad medical questions families have. Whitehead also shares coping strategies she discovered, along with what she's learned through benefit of hindsight, and insights from other mothers.

• Try to enjoy being pregnant. Don't miss out on this experience because you're high-risk. Do the normal prego things, even if you have to modify them: Shop online, get a belly cast, shoot expanding-belly photos, and savor those kicks and body changes. Don't forget or stop dreaming about the actual birth and your desires for what it will be like. I regretted missing out on so much while carrying my daughter. Rather than enjoying the pregnancy, I kept focused on the end and my hope she would survive.

• Don't let your emotions become your enemy. Say goodbye to guilt - this is not your fault!  It's okay to be bitter, angry and upset at the world, and to hate "normal" pregnant women, but it isn't going to change anything. So go get mad, yell, and cry, and then move on.

• Pelvic rest sounds easy, but it isn't. It's not fun being forced to become a nun, so don't. There are still ways to enjoy intimacy; you just need to get creative. Think high school - remember how much fun necking was? Try body oil, a massage...whipped cream? Sexy lingerie is still hot, even if you're pregnant. Flaunt your new assets - they surely went up a cup size or two.

• Educate yourself about your situation. Don't go reading about every other possible scenario out there; you don't need to worry about problems that aren't a likely issue for you.

• Ask and you shall receive. It may sometimes feel as though people have forgotten about you, but the reality is they're busy and they have no idea what's it's like for you. If you want company, reach out and invite someone over.

"I know it's tough to be going through a high-risk pregnancy and living in fear every day," Whitehead says. "Though this will be the toughest time of your life, many of us have been through it and now have our children. You can, too.

"Keep your chin up and keep hoping. Healthy babies are born every day to families who've walked the same path."

About Kelly Whitehead

Kelly Whitehead is a scientist-mom, who lost a preemie son and went on to have two high-risk pregnancies. She wrote High-Risk Pregnancy: Why Me? Understanding and Managing a Potential Preterm Pregnancy as an educational tool and emotional guide for those experiencing a difficult pregnancy and the providers who work with them. She is also a trained doula, birth advocate and spokesperson for Sidelines National High Risk Pregnancy Support Network. For more information, check out www.hrpwhyme.com.

Author Says Women are Choosing to Age
with the Support of Friends

Some say the '60s hippies are going back to the commune. Others call the growing number of female Baby Boomers rooming together "'The Golden Girls' phenomenon."

Author Martha Nelson, who at 65 is on the leading edge of a tsunami of retiring Boomers, says it's really all about choosing the company of friends.

"As a group, we've been empowered more than past generations of women," says Nelson, whose debut novel, Black Chokeberry (www.BlackChokeberryTheBook.com), is the story of three disparate older women who unexpectedly end up sharing a home. "We're more worldly, stronger, financially savvy and healthier than our ancestors - through no fault of their own - and we know what we want."

Increasingly, what they want is to actively age with the camaraderie, laughter, understanding and support of other women who share their ideas of healthy lifestyles, good food from their own gardens, green living, and myriad activities on a moment's notice.

In 2010, 480,000 Baby Boom women lived with a least one unrelated female, according to an AARP analysis. The growing number of U.S. HomeShare programs, which help connect people interested in sharing a house, say their numbers have been steadily rising since the economy belly-flopped.

"This concept is really trending on the East and West Coasts and is very big in Europe," says Ryan Cowmeadow, vice president of the National Shared Housing Resource Center, an all-volunteer clearinghouse of HomeShare programs.

"Our numbers are up about 15 percent since 2007, and about 75 percent of applicants are female," he says.

"We're hoping to see a real surge with the Boomers entering retirement age now. They're the ones who didn't take 'no' for an answer. Home-sharing just makes sense."

Nelson notes that there are several reasons why women more than men are gravitating to communal living as an alternative lifestyle.

"Women typically live longer than men, and men are more likely to remarry quickly after a divorce or the death of a spouse," she says.

"And fundamentally I think it's as much about the special bonds women share. We form these wonderful, supportive, 'tell the truth' friendships, which survive the demands of husbands, children and careers. Whether living alone or with a spouse or partner, women cling to their friendships. When a woman considers living alone as she ages, it's a natural progression to seek the company of her best friends."

That's what happened to Nelson, a former journalist and educator, whose long marriage ended in divorce when she was in her 50s. In regaining her balance as a single woman, she sought time alone to heal, then turned to her trusted friends as she stepped back into life. Her happiest moments came from long conversations over coffee, laughter over meals and movies, and, occasionally, indulgent tears she felt safe to shed.

"I came to fully understand the importance of women friends in my life," she says. "They are the gold standard and as we age, they are critical to happiness, regardless if one is married or in a committed relationship."

The movement for cohousing - where residents have private living spaces but share common areas, such as dining rooms, and tasks, such as cooking -- started in Denmark and is catching on in the United States. There are model programs in Boulder, Colo., and other communities, including three cohousing projects being planned in the greater Nashville area, where Nelson lives.

Practical considerations of creating close living communities include health and safety, care in times of an accident or medical emergency, and saving money, a concern for many women who find themselves single or widowed after long marriages, Nelson says.

But Boomers are renowned for demanding more than creature comforts from life, she adds.

"We want to be happy; we're healthy, active and we want to enjoy ourselves as we age. We want to travel, go to a movie with a neighbor or housemate, cook a meal, share a garden, and feel that we are contributing to our communities.

"What started with Rosie the Riveter has brought us to this," says Nelson who is happily married again, but fascinated by the new movement of cohousing.

"We're strong women and we can choose to live the way we want as we get older. Very often, that will mean with other women in close knit communities."

About Martha Nelson

Martha Nelson is an award-winning former investigative reporter, columnist and editor at two New York newspapers. She also is a former educational and nonprofit executive, consultant, and chef. She retired in 2010 and settled in to write Black Chokeberry, a coming-of-age novel about three women confronting crisis and change on the other side of 50.

'Next We'll Be Bringing in the Cafeteria Police'
Conservative Satirist Finds Humor, Fear Factor
in New School Lunch Rules

Effective March 26, kids will be required to put fruits or vegetables on their trays in the lunch line. School cafeterias with salad bars must monitor the salad eaters "to ensure that students actually take the minimum required portion size" deemed nutritionally necessary for their age.

No school kids will be served whole milk or even 2 percent-fat milk; only 1 percent or fat-free milk will be allowed. However, "students may decline milk," the U.S. Department of Agriculture generously concedes in its new rules for school lunches.

It's not hard to see what lies ahead, says Stephen Goldberg, author of Obama's Shorts (www.ObamasShorts.com), a collection of 23 satirical short stories that take a humorous look at the new rules and regulations governing Americans' lives.

"How about a National Nutritional Enforcement Agency that provides federal agents, unarmed, of course, to make sure all students are Clean Plate Clubbers?" he asks.

And forget mandatory health insurance, he says, we have a much bigger problem.

"We're ripe for a Patients' Waiting Room Fairness Act. Some people can't afford a phone or computer. Some can't speak English. Why should they have to wait longer than people who can make appointments?

"The Waiting Room Fairness Act will ensure it's first come, first served," Goldberg says. "That's only fair."

A stand-up comic-turned-dentist, Goldberg says there are some serious concerns underlying his hyperbole. Too many Americans don't understand the principles upon which the United States was created, so they're blind to just how far from them we've strayed. There's nothing like a dose of humor to provide some education.

"The Constitution set things up so we would be ruled from the bottom up with only a few things controlled by the federal government," Goldberg says. "Now it is completely upside down.

"Take school lunches. Most parents pay for them. Shouldn't they be the ones telling their kids what they should put on their plate? These new rules have been created, in part, to 'help mitigate the childhood obesity trend,' the USDA says. What if you've got a skinny kid who's a picky eater and you want him to have the choice of drinking whole milk?"

The Constitution was crafted with the family as the political base, Goldberg says. For things a family couldn't possibly accomplish, the Founding Fathers looked to communities to be in charge. And what the community couldn't do, the state would handle.

"The federal government got only a few powers, like war and international trade. That also helped ensure that the different beliefs, cultures and values of different communities would be protected.

"Think it's far-fetched imagining a day when federal agents search lunchboxes for cookie contraband?" Goldberg asks. "How about a National Potato Council accusing the feds of treating their tuber like a 'second-class vegetable' in its lunchroom rules?

"Yes, there is a National Potato Council. And yes, that's what they said."

About Stephen Goldberg

Stephen Goldberg started his professional life as a comedian and turned to dentistry as a more reliable way to make a living - though he never stopped getting his audience to laugh. He's been married 45 years and has three children and three grandchildren.
Expert Offers Tips for Meetings that Get Things Done

Technology is constantly speeding up the pace of business: Decisions once delayed for weeks are now made in seconds thanks to internet communication. Computer analytics puts real-time market information at our fingertips.  Transactions can occur anywhere, any time.

Logic holds that businesses that can't keep up will be left behind.

"Just to keep pace, businesses must develop organizational agility, and it's absolutely critical if they want to do more than just survive," says Mike Richardson, author of Wheel$pin: The Agile Executive's Manifesto: Accelerate Your Growth, Leverage Your Value, Beat Your Competition (www.mydrivingseat.com).

Organizational agility is being able to move quickly and decisively, and one of the biggest obstacles is unproductive, time-wasting meetings he says.

"They start late, run long, and don't achieve much," he says. "But meetings are the backbone of an agile business."

He offers these tips for developing agile meetings with traction:

• Map your meeting: Create a standing agenda and a master spreadsheet with tabs relevant to each agenda item with the expected inputs, throughputs and outputs. That way, the meetings are easy for the chairman to run because everything is crystal clear.

• Set the mood: Set the tone for the energy level by playing a video or music. You can tell a story, read a quotation, or be unpredictable and create a surprise factor.

• Spark creativity: Frame the purpose of the meeting as a question: How do we best ...? Questions get the human brain thinking more quickly.

• Document the action live: Instead of taking notes, editing them and distributing them afterward, save time by capturing everythingelectronically in real time. You can project action items for all to see during the meeting, and keep them in a master spreadsheet hosted on your server for easy access by all.

• Time-box everything: Meetings should last 45 minutes, from 5 after the hour to 10 minutes to the hour. Allot time for each agenda item and especially for presentations. Get people used to the fact that you will guillotine anything which runs over.When you challenge people to figure out how to get things done in the time allotted, you will be amazed at how they can.

• Leverage the wall-space: Wall space is one of the most underutilized assets in your business.  Have the standing agenda on the wall, creative problem-solving frameworks, your core values, key elements of your strategic plan, inspirational quotations, etc., all in a format large enough for you to refer to during the meeting.

• Generate input: Have everyone take a minute to write down an idea relevant to the agenda item. Go around the table and allow each person to share his or her idea, or break into pairs or triads to discuss the ideas and report back. (Remember to allot time for each step of the process.)

• Get fast consensus: Once the options are on the table, facilitate the group toward fast decisions with statements and questions like: "I'm leaning toward this ..."; "Does anyone have a violent objection to that ... ?"; "Can everyone get behind that?"; and then move them into fast action:"How would we best do that?"

"Agility is the ability to be constantly looking for opportunities to move forward toward goals while planning for problems," Richardson says. "It's being able to capitalize on fleeting opportunities, rebound from problems and make decisions on the turn of a dime."

That doesn't happen in businesses where executives and workers are bogged down by burdensome systems, procedures and time-wasting meetings stuck in minutiae, he says. Instead of shooting forward when they press on the gas, they go into a futile wheel$pin.

Creating agile meetings is one big step toward creating an agile organization which is in traction.

About Mike Richardson

Mike Richardson is president of Sherpa Alliance Inc., a management support business and a chair with Vistage International, a global collaborative of CEOs. He holds an MBA from London Business School and is an adjunct faculty member at the University of San Diego Business School. A former Shell Oil petroleum engineer and board member overseeing three automobile dealerships, he led the Aerospace Division of  Spirent PLC in Britain

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