Expert Offers Tips for Taking Charge of Your Life

The memes for the current economic recession have been "income inequality" and "the 99 percent versus the 1 percent" as the 106 million Americans earning $45,000 or less each year feel the most pain from job loss, foreclosure, underwater mortgages and inflation.

Some say the solution is for the government to redistribute the wealth, perhaps by taxing the top money-makers at a higher rate. Real estate businessman Trevor Bolin, author of Take Charge and Change Your Life Today (www.bolininternational.com), says there's a better way and it's one that will make more people happier - and wealthier.

"I went from the bottom 10 percent at age 17 to the top 2 percent at 28 by making some changes in my life," says Bolin, who owns three realty companies in British Columbia.

"The system is very simple, but not all of the steps are easy. It requires self-discipline and changing bad habits, but it's all possible if you follow the steps. And I promise, following through on just one will dramatically affect your life."

Some of Bolin's strategies:

• Commit. Vow right now that you will follow through 100 percent on every step you take toward changing your life, whether it's making more money, losing weight or becoming a better parent. Commit to succeeding, not just surviving. Know that luck has nothing to do with it - it's hard work, attitude and giving back. Committing 100 percent means that, if you decide to read a book on investing, you won't quit after three chapters. If your goal is to drop 20 pounds, don't stop after 10.

• Change your attitude. Just as negative thoughts have the power to negatively affect outcomes, so do positive thoughts. Start each day with positive thoughts, and change negative thoughts to positive ones throughout the day. This may be hard at first, but the more you work at it, the easier it gets. Rather than wake up cursing the rainy day, be grateful for it. Water is one of our most valuable natural resources, and rain is cleansing. Remind yourself each morning of all the good things in your life - your health, your home, your spouse. Tell yourself that your meeting today is going to be engaging and productive, or your job interview is going to go well.

• Figure out your "Y." Your Y is your reason for everything. It's shaped by the past, formatted for the present and goal-formatted for the future. It's reflected in every decision you make. If you don't know your Y, your decisions will be made on the basis of habit, what you learned growing up, and what your immediate needs are. But if you've decided your Y is that you want the peace and security of financial success, you'll be guided by that every time you make a choice.

• Set goals. On a piece of paper write down all of your goals, short-term and long-term. Next, number them 1, 3, 5, 10 or 20 based on how many years it should take to achieve them. Losing 20 pounds? That might be a 1. Buying a new car? That could be a 3. Now, take your top five 1 goals and write down why you want them and how you plan to achieve them. Do the same thing for each set of goals. Having goals is vital and keeping them in front of you will help keep you on track toward achieving them. Most important - be sure to cross each one off as you achieve it. Take it from me, there's no better feeling.

Paying yourself first - saving a portion of every check - and giving back to society, whether through service or philanthropy, are also key to Bolin's roadmap for changing your life.

"It's all about having a plan," he says. "You can create success as long as you're putting a plan into motion."

About Trevor Bolin

Trevor Bolin owns three realty companies in British Columbia, including one in his hometown of Fort St. John, which was named the No. 1 RE/MAX small-density office in the world. He's also chairman of Bolin & Co. International Training, which offers coaching and seminars for business people. He has served three terms on the Fort St. John City Council.

Spot Early Signs Your Teen is Struggling - Before It Gets Bad

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.

Are Mutts Smarter Than Purebred Dogs?
How to Choose Your New Best Friend from an Animal Shelter

Among the biggest victims of the economic recession are the once beloved family pets surrendered to shelters as their owners deal with extended joblessness. The U.S. Humane Society estimates 6 to 8 million dogs and cats enter shelters each year - and 3 to 4 million are euthanized.

"We don't have firm numbers but we know anecdotally that the communities that have been hardest hit by the economic downturn are seeing that reflected in their shelter intake numbers," says Inga Fricke, director of sheltering issues for the U.S. Humane Society.

"And, unfortunately, while the majority of the public is in favor of adopting pets from shelters, very few - usually about 20 percent - actually do. That has recently gone up slightly to the mid-20s."

Fricke and retired police officer Irvin Cannon, a confirmed dog lover whose new book, For the Love of Dog Tales (www.FortheLoveofDogTales.com), gives voice to man's best friend, hope people getting back on their feet will consider adopting a shelter dog.

"You won't find a better companion, whether you bring home a mystery mixed-breed or a purebred Labrador," he says. "Everyone thinks mutts are smarter and generally healthier, but really, it all depends on their mix of breeds and which breed strain is dominant."

Border collies and Rottweilers are two of the smartest breeds, Cannon says. But they tend to have other traits, too, which are just as important to consider when choosing what dog best suits your lifestyle. Remember - dogs are as individual as people. A dog's breed, or breed mix, is no guarantee that it will have certain traits.

That said, border collies tend to need lots of room to run and lots of attention - they're high-maintenance, Cannon says. If you can't spend a lot of active time with them, they'll be unhappy and you'll have problems.

Rottweilers are fast learners and loveable family animals, but they also tend to have bold personalities associated with pack leaders. If you don't think you can assert your authority, or if you have young or shy children, you might want to consider a more submissive breed. Dominant dogs that are allowed to bully their family members can become dangerously aggressive.

Here are some other tidbits regarding breeds:

• Among other dog breeds known for intelligence: Shetland sheepdogs, golden retrievers, Labrador retrievers, poodles, Australian cattle dogs, Papillons and Doberman pinschers.

• Bulldogs, beagles and Basset hounds all start with 'B' but get much lower grades for smarts.

• It's a myth that mutts have fewer health issues than purebred dogs. Because some breeds have tendencies toward problems such as deafness, blindness or hip dysplasia, remember, these are genetic issues that are inherited. So if you're mixed-breed includes some German shepherd, it may also have hip dysplasia (a problem with the joint's bone structure).

• If you're in the market for a purebred dog, you have a 25 percent chance of finding one - although maybe not the breed you want - at a shelter. If your heart is set on a specific breed, check your area for a rescue group specializing in that breed.

About Irvin Cannon

Irvin Cannon was a poor kid growing up in Detroit when his family took in a stray dog. It surprised young Irvin that his father would be willing to share the family's meager groceries with a dog, but he soon discovered the return on their investment was enormous. A former police officer in Detroit and Denver, he also worked as a corrections officer in Arizona.
Historian Says U.S. Laws, Attitudes Don't Match Up

As recently as January, the U.S. Supreme Court was debating whether TV networks should be fined for showing a bare body part - in this case, a woman's butt ? on an episode of ABC's "NYPD Blue."

A lawyer arguing for the networks noted enforcement could lead to complaints about the Summer Olympics in Beijing: During the opening ceremonies a statute of a bare-breasted, bare-bottomed woman was plainly visible.

A decision isn't expected until June, but no matter the result, the very fact this is a matter before the highest court in the land troubles historian Mike Foster.

America remains surprisingly prudish, or at least hypocritical, about nudity, says Foster, co-author with his wife, Barbara, of the biography, A Dangerous Woman: The Life, Loves, and Scandals of Adah Isaccs Menken (www.TheGreatBare.com). 

"Officially, we're uptight about nudity," he says, "but happy to watch it in the media. Advertisers use nudity to make a buck, publishers to sell product, and protesters take it off to make a point.

"Lindsay Lohan's nude spread for Playboy earned her a million dollars and was pirated on the Internet. Helen Mirren, at 64, posed topless for a puff promoting 'Love Ranch.' PETA women, who strip in public for attention to animal rights ? 'go naked instead of wearing fur' ? have been joined by their men.

The "ultimate fantasy commercial" for this year's Super Bowl featured a beautiful Colombian model looking stark naked. It was done with paint and 100 million viewers feasted their eyes on a nude illusion.

Foster says our nude hypocrisy stems from the Victorian era, when actress Adah Menken was dubbed "The Great Bare" by writer/admirer Mark Twain. The Civil War-era bombshell singer and actress became famous as The Naked Lady for her starring role in "Mazeppa," a drama in which she rode a stallion up a four-story stage mountain, apparently in the buff. She actually wore a flesh-colored body stocking, but the audience gasped ? yet another nude illusion.

It's mystifying that in Western Europe, the birthplace of many American traditions and values, billboards, TV shows and commercials featuring nudity are commonplace. Nude sunbathers enjoy their nations' beaches ? and don't go home with awkward tan lines.

One hopeful sign that America's easing up: At actress Betty White's televised 90th birthday tribute, Tina Fey claimed the older actress told her: "Never let anyone tell you that you are not good enough to pose nude."

Yes, our favorite "Golden Girl" did it, decades ago. Yet another "dangerous woman" ahead of her time?

About Michael & Barbara Foster

Michael Foster is a historian, novelist and biographer, acclaimed by the New York Times. He earned his Master of Fine Arts from the Iowa Writers' Workshop. "A Dangerous Woman" is his fifth book. Barbara Foster is an associate professor of women's studies at City University of New York.

By: Shay Dawkins

So many people go searching for their true love in nightclubs, singles clubs, through online dating sites and among friends of friends. The truth is, finding true love starts right in your own home - or, more accurately, in your own heart.

Before you can find true love in a relationship, you must find it within yourself.

Here are three simple ways to attain true love for you, yourself, and your life as a whole. You'll be amazed at how quickly romantic love will follow.

• Be thankful for everything (including your mistakes). Learn to be thankful for the good things in your life. That will help you appreciate all the small things and give you a happier, positive outlook (which, by the way, is very attractive.) Be thankful for your mistakes, too. Everything in your life, both the triumphs and the stumbles, shape us as people. Mistakes are valuable learning experiences and, when viewed as such and appreciated, regrets and bitterness of yesterday will fade away. Peace and love will enter in to your life immediately!

• Forgive others so that you can forgive yourself. Forgiving is as much for you as  it is for the person who did you wrong. For starters, when you can forgive others, you can forgive yourself. Some of us are harder on ourselves than anyone else would ever be. We need to be as forgiving of our own faults and misdeeds as we are other people's. Holding onto anger and resentment, whether it's directed at someone else or ourselves, robs us of opportunities for joy. Truly forgive whoever's hurt you - you don't have to like them! - and fully experience happiness.

• Find enjoyment and satisfaction in every day. Strive to find the happiness in your average, workaday life. For most of us, a typical Friday will be a much happier day than a typical Monday, but live each average Monday to its fullest as you would live each fun Friday to the fullest!  If you strive to live in love each day, then you will have no regrets. There are many more average days than holidays and vacations - don't waste them! Find satisfaction in your work, enjoy the process of doing a good job and learning new skills, and every day will be an abundance of joy.

In my book, The Good News: How Revealing Delusions In Christianity Will Bring Peace To All (www.thegoodnewsbook.com), I lay out the numerous biblical instructions to love, forgive and be grateful. If we each apply these simple teachings to our own lives, no matter what our religion, we'll create a happier world.

To both the people with a special someone and those without - be thankful. Love and happiness come from within, not from another person. We all have something to celebrate, not only at Valentine's Day but all year long.

About Shay Dawkins

Shay Dawkins is a Tuscaloosa, Alabama, businessman who grew up in Baptist and Pentecostal churches. His observances about how Christianity can be divisive despite being based on one book led to his analysis of the Bible. Check out his YouTube video, "Why It Should Be About Love, Not Religion."

This year, we'll be paying more than ever for dinner. Food prices jumped a whopping 4 to 5 percent in 2011 and are expected to continue rising in 2012, says the U.S. Department of Agriculture.

But you can have your chocolate cake and eat it, too, without breaking the bank, says Toni House, author of Savvy Shopping: How to Reduce Your Weekly Grocery Bill to $85 Per Week - or Less! (www.SaveYourMoneySaveYourFamily.com). A mom with executive-level experience in accounting and the restaurant industry, House pared the monthly grocery bill for her family of four to $250. And nobody complained.

"It takes savvy shopping," she says. "You can have great everyday meals and special-occasion feasts and trim the household budget with planning, patience and grocery shopping 'guardrails' to keep your cart in line."

House offers these tips:

• Be patient - wait for good deals. Save pricier purchases for double coupon days. If you're planning for a special occasion or celebration, save now so you can splurge a bit later, The more you rush, the less you save.

• Be detail-oriented. There is a lot of fine print involved in being a savvy shopper, from expiration dates to special offers to asterisks. Know exactly when a coupon expires, how much it's for, how much more it will be worth on double coupon days and whether or not it's worth the price in the first place.

• Plan ahead. Plan a menu for at least three meals in advance; combined with leftovers; that should give you five days or more of meals, depending on the meal. This puts you in control of your shopping list; and not the other way around. Instead of always playing catch-up, replacing what you've run out of, you buy only when it's on the menu. Same goes for cereal, yogurt, bananas, fresh herbs and spices, etc.

• Instead of making expensive foods (meat) the centerpiece of each meal, design menus that use the most expensive foods less often. For instance, from now on at least twice a week, try using meat as more of a filler than a main dish. Instead of making spaghetti with meat balls, or sausage, or chicken breasts, make spaghetti with a meat sauce of ground turkey, ground sausage or ground chicken breakfast sausage.

• At the grocery store, buy ONLY what you can eat. That means no paper plates, toilet paper, plastic cups, Army men, toothbrushes, jar candles, greeting cards. Grocery store prices for non-food items are higher than you'll pay almost anywhere else, so make a hard-and-fast rule and stick to it.

• Do use coupons, but only for products you actually need. Let's say you just bought twice as many hot dog buns as you needed last week and now you've run across a two-for-one coupon for...more hot dog buns? Do you really have room in your freezer for all those buns?

House's $85-a-week budget does require tossing out some pricey products your family may have grown accustomed to (brand-name cereals, pre-packaged snack cakes) and changing the way you plan meals. But there are plenty of delicious, often healthier, and less expensive substitutes

"You are the leader of your family unit, not just at home but at the grocery store," House says. "Your new quest to become a savvy shopper might meet with some...resistance... at first. Take the bull by the horns and lead the family in the right direction."

About Toni House

Toni House has a bachelor's in accounting and a master's in business administration and was most recently the senior consultant and owner of an accounting firm. How to Reduce Your Grocery Bill is her second "Savvy Shopping" book. Her first was Save Your Money, Save Your Family. Find her money-saving blog tips at www.saveyourmoneysaveyourfamily.com.
2 Specialists Share Tips for Getting Your Message Across

There's a bright spot in the U.S. employment picture: the health-care industry.

Health-care employers added 17,000 jobs in November, and they've been adding an average 27,000 jobs a month since December 2010, according to the most recent Bureau of Labor Statistics report.

That's the good news. The bad news is nearly 10,000 health-care workers have lost jobs since August; there were 136 mass layoffs in that time period.

"Finding work in health-care is definitely getting easier, but the stiff competition means you'll need more than credentials to land those jobs," says Stephanie Roberson Barnard, a communications consultant who specializes in training medical professionals to speak and write clearly and effectively.

"Check any online job-hunting Web site for science, technical, pharmaceutical, biotech and medical jobs and you'll find one common requirement: 'excellent communication skills,'" she and co-author Deborah St. James write in their new book, Listen. Write. Present: The Elements for Communicating Science and Technology (Yale University Press; 2012), www.ListenWritePresent.com.

Unfortunately, the science-rich education required for health-care professionals leaves little room for learning how to craft a message for a particular audience, be it an email or a PowerPoint presentation. And that's essential not only for getting jobs, but for keeping them and winning promotions, Barnard says.

She and St. James, deputy director of publications and communications for a North Carolina biotech company, offer these tips for getting your message across:

• Plan: Take time to get to know your clients, colleagues and co-workers. Establish rapport and cultivate a collaborative relationship by finding out about others' interests (check out the pictures in their offices for clues) and inquiring about them. If you have never been to their offices, look them up on Google or their company's Web site. Always keep your personal conversations light and professional.

• Listen: Smile, nod, and acknowledge the speaker - and mean it. Really focus on what the person is saying and not just on the words. Truly effective communication requires your full attention. It's better to spend a few minutes concentrating on the other person's message during a conversation than wasting time trying to remember what he or she said because you were trying to do something else. It's okay to write or type notes as long as you ask permission first.

• Present: Practice. Practice. Practice. Need we say more? Of all the tips we offer, practicing is perhaps the most important one. People in our audiences often suggest that it's possible to over practice. They claim that too much practicing makes a talk appear staged. We have found that the "stiff" presenters are the ones who haven't practiced. They're so busy trying to remember what they're going to say, they can't tune into the audience or deviate from their slides. In contrast, the speakers who have mastered their content seem to glide about the room, exuding just the right amount of enthusiasm.

• Meet: Respect people's time by presenting materials simply. The biggest complaint people have about meetings is that they last too long. For this reason, presenting your ideas in a simple, concise fashion will give you the advantage of appearing focused and prepared. Remember, never compromise content for simplicity.

• Serve: Be kind to others. It costs nothing and requires no skill. Your kind words, good deed, or thoughtful gift may even launch a cascade of positive gestures among others. A recent study by researchers from the University of California San Diego and Harvard University suggests that cooperative behavior spreads among people. This ripple effect can have a wonderful positive impact on the corporate culture of your organization.

"Good leaders must learn to communicate not only within their field of expertise but also to reach people outside their field of authority, influence and passion," Barnard says. "With proper training and practice anyone can become a better communicator."

About Stephanie Roberson Barnard

Stephanie Roberson Barnard has trained thousands of pharmaceutical industry professionals on how to be more effective speakers, writers and communicators. She has also coached hundreds of health-care professionals on presentation skills for FDA hearings, CFO reports and scientific speaker programs, as well as national and international congresses. Her clients include AstraZeneca, Bayer Corporation, WL Gore, and Boehringer Ingelheim. This is her second Yale Press book collaboration with Deborah St. James.

About Deborah St. James

Deborah St. James is Deputy Director of Publications and Scientific Communications at Grifols. She has worked in the pharmaceutical and biotechnology industry for more than 20 years. Prior to her current position, she was Bayer Corporation's senior manager for national sales training in the pharmaceutical division. She is a former college English instructor and Senior Editor of Better Health magazine.

A Chicago physician is recruiting veterans with PTSD for a study of a medical treatment that erases symptoms in 30 minutes.

With $82,000 in funding from the state of Illinois, Dr. Eugene Lipov (www.ChicagoMedicalInnovations.org), author of Exit Strategy for Post-Traumatic Stress Disorder, plans to treat 10 patients and follow up with biological marker tests that would help prove his theory that PTSD is a medical, not a psychological, condition. He's seeking corporate donations to broaden the study in order to hasten the Veterans Administration's acceptance of the procedure, which has been used to treat 95 patients.

"The Veterans Administration's treatment for PTSD involves intensive psychological therapy and psychotropic drugs that works only about half the time and can take months or years," Lipov says. "My treatment, stellate ganglion block (SGB), involves two injections and works very quickly. In 80 to 85 percent of patients, it completely erases symptoms."

Lipov has treated 50 patients with SGB, an injection of anesthesia into a cluster of nerves in the neck. His success stories date back to his first patient, who remains symptom-free after three years. Another 45 or so veterans have undergone the treatment at four military institutions, including a small study still underway at the Naval Medical Center San Diego.

He theorizes that SGB works because it reduces excessive levels of cortisol, nerve growth factor and norepinephrine in the brain, all stimulated as an organic response to stress.

"This study will be the first that includes checking for post-treatment biomarkers," Lipov says. "If I can show there's a biological change, that the treatment's success isn't just a placebo effect, I can get more acceptance. Right now, part of the problem is credulity - people can't believe there's such a simple solution to a complex problem."

Treating PTSD with SGB is a new application for a procedure that's been safely used to treat other conditions since 1925. Lipov has FDA approval for its use for PTSD and recently it was approved for experimental studies by the Institutional Review Board.

But despite congressional support, he has been unable to secure federal funding for a large study that would hasten the treatment's acceptance by the Veterans Administration. So he's seeking private and corporate donors to match Illinois' contribution to his non-profit, Chicago Medical Innovations, so he can expand the biomarker study. People who buy his book Exit Strategy, about the latest PTSD developments, also help fund veterans' treatments; Lipov donates $5 from each book sale toward the two $1,000 injections.

"The more money I raise, the more patients I can treat, and the more veterans who get better, the more I can publish the results," Lipov said. "Basically, the more impressive the numbers, the more lives are saved."

An estimated 300,000 veterans of Iraq and Afghanistan suffered post-traumatic stress disorder or major depression, according to a Rand Corp. report. The debilitating condition is characterized by outbursts of rage, terrifying flashbacks, nightmares, anxiety and other issues that lead to substance abuse, violent crimes, joblessness and homelessness.

About Dr. Eugene Lipov

Dr. Lipov graduated from Feinberg School of Medicine at Northwestern University and completed two-year residencies in surgery and anesthesiology before receiving advanced training in pain management at Rush University Medical Center, where he worked as an assistant professor of pain management. Today he is the medical director of Advanced Pain Centers in Hoffman Estates, Ill. He has published research articles in several medical journals.
Stop Focusing on Money, Warns Financial 'Whiz Kid'

He was the 31-year-old stockbroker dubbed "The Wall Street Whiz Kid" by Good Morning America's Steve Crowley for his uncanny knack of predicting market highs and lows.

Now, after 25 years and two debilitating bouts of clinical depression, Peter Grandich, author of  Confessions of a Wall Street Whiz Kid, (www.confessionsofawallstreetwhizkid.com), says Americans' market-driven fixation on amassing a fortune is driving us crazy.

"The fight to keep up with the Joneses is leading to more people with intolerable levels of anxiety and stress, which contribute to serious mental health problems," says Grandich, who runs Trinity Financial Sports & Entertainment Management Co., a firm that specializes in offering professional athletes, celebrities and the general public estate planning from a Christian perspective.

A January Gallup poll found Americans at their highest money stress levels in 10 years, with 51 percent worried about maintaining their standard of living.

"Our whole culture now is built on the premise that we have to have more money and more stuff to feel happy and secure," he says. "Public storage is the poster child for what's wrong with America. We have too much stuff because we've bought into the myth fabricated by Wall Street and Madison Avenue, which rely on millions of people driven to make more money so they can profit from this insane quest."

Grandich was one of those people, he says. He loved making money, making more, and spending it. By his mid-30s, he was a multi-millionaire suffering his first disabling panic attacks. Looking back, he says, part of the problem was a life out of balance.

"My priorities were, No. 1, me, my reputation and my ego, and then my wife and our daughter," he says. "There was not much else."

Everything rode on how he did in the market, and when that wavered, Grandich grew increasingly anxious. Within a year of his first panic attack, bouts of crippling anxiety and hopelessness rooted as a deep and pervasive depression. Twice, he came to the point of attempting suicide.

In 1995, Grandich left the professional money management and brokerage business, but it took him several more years to find his way back to enjoying his life. He wants to warn others caught up in the money chase, and to offer hope to the one in 10 Americans who suffer depression.

He offers this guidance from his own experience:

• Anybody who has suffered depression more than once is at risk to go through it again. Grandich says he learned he is genetically predisposed to clinical depression because of his family history. "Be prepared to understand that it will always be with you," he says. "It's medically driven due to chemical imbalances in the brain."

• Get professional help. Without medical help you have no chance. "For me, it was talk therapy and pharmaceutical intervention to flip that chemical switch in my brain," Grandich says. "You can't just 'snap out of it' because you don't think rationally."

• It's not a sign of weakness and nothing to be ashamed about. With men especially, the "macho thing" gets in the way of seeking help, Grandich notes. It's not something that can be fixed with will power or that you can just snap out of; the brain is injured.

• Get seriously reacquainted with your Creator. Grandich grew up without religion and became a Catholic simply to marry his wife. He had no spiritual anchor and his relationship to God was "the occasional 9-1-1call." He has found comfort in recognizing that there is "someone bigger than me" in control and in having rules that make sense for governing his life. When friends ask, "What if it turns out there really is no God and no afterlife?" he says, "It's still a better way to live."

Grandich says he's grateful for the revelations he experienced, and that he found a way out of the painful darkness.

"I'm satisfied it happened for a reason, and not to use my experience to help others would be unfair," he says. "The blessing for me is, I've been shown the mess I was. There are still a lot of people out there who don't yet realize that, if money is their god, they're headed for a lot of suffering."

About Peter Grandich

Peter Grandich became renowned in the financial industry when he predicted market crashes and rebounds in The Grandich Letter, a newsletter he created in 1984. It's currently a blog featuring his commentary on the world's economies and financial markets as well as social and political topics. Grandich is co-founder, with former New York Giants player Lee Rouson, of Trinity Financial Sports & Entertainment Management Co., a firm that specializes in offering guidance from a Christian perspective to professional athletes and celebrities.

Weight Loss Expert Offers Slimming Tips to Last a Lifetime

Losing weight has become a matter of life or death and counting calories, Weight Watcher points and fat grams hasn't lessened the numbers of people affected. In 2010, more than 25 percent of Americans had pre-diabetes and another 1.9 million got a diabetes diagnosis, according to the U.S. Department of Health and Human Services.
The single most effective way for people to avoid the disease? Losing weight.

"The current obesity epidemic proves that the typical low-fat diet recommendations and low-calorie diets have not worked," says Don Ochs, inventor of Mobanu Integrated Weight Loss Solution (www.Mobanu.com), a physician-recommended system that tailors diet and exercise to an individual's fat-burning chemistry. "America is eating less fat per capita than we did 30 years ago, yet obesity, diabetes and heart disease are all up."

To drop the weight and keep it off, people need to get rid of their stored fat by eating fewer processed carbohydrates and the correct amount of protein, and by doing both high and low- intensity exercises, Ochs says.

Here are some of his suggestions for getting started:

• Eat what your ancestors ate - if it wasn't available 10,000 years ago, you don't need it now. Our bodies haven't had time to adapt to the huge increase in processed carbohydrates over the past 100 years. These refined carbs kick up our blood sugar levels, which triggers insulin production, which results in fat storage.  Avoid the regular no-no's such as candy and soft drinks, but also stay away from sneaky, sugary condiments like ketchup; dried fruits, which have more concentrated sugar than their hydrated counterparts, and anything with high fructose corn syrup.

• Eat the right kind of fat - it's good for you! Bad fats include trans fats and partially hydrogenated oils. Look for these on labels. Trim excess fat from meats and stick with mono- and poly-unsaturated fats. Use olive oil for cooking, as salad dressing or on vegetables. Eat avocados, whole olives, nuts and seeds, and don't be afraid to jazz up meals with a little butter or cheese.

• Eat the proper amount of lean protein to maintain muscle mass and increase your metabolism. Eggs, beef, chicken, pork, seafood and dairy in the right amounts are good protein sources. Remember, most of these contain fat, so it shouldn't be necessary to add more. Use the minimum amount needed to satisfy your taste buds. Also, anyone trying to lose weight should limit non-animal proteins, such as legumes, because they   contribute to higher blood sugar levels and increased fat storage.

• Vary your workouts to speed up fat loss. Both high-intensity and low-intensity exercises play a role in maximum fat loss.  Low-intensity exercise, like walking, is effective for reducing insulin resistance so you store less fat.  Alternate walking with high-intensity interval training to build lean muscle mass and increase your metabolism.  Interval training can be cardio blasts such as running up stairs on some days and lifting weights on others. This type of exercise forces your body to burn up its glycogen - a readily accessible fuel for your muscles - faster than an equivalent amount of cardio exercise.  When you're done, your body will replenish that fuel by converting stored fat back into glycogen and you'll lose weight.

"Healthy weight loss isn't about picking a popular diet and trying to stick to it," Ochs says. "It's about discovering the right diet for your unique body. For each person, the optimal amount of carbohydrates, proteins and exercise to burn the most stored body fat will be different. And that's why one-size-fits-all diets just don't work."

About Donald Ochs

Donald Ochs is a Colorado entrepreneur, the president and CEO of Ochs Development Co. and M4 Group, an inventor and sports enthusiast. He developed the Mobanu weight loss system based on research conducted at The Mayo Clinic and the National Institutes of Health. The program is endorsed by physicians, nutritionists and exercise experts.

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