The Perfect Wedding is the One Everyone Remembers
for All the Right Reasons

Brides-to-be have long checklists for planning their big day. Dress, flowers, venue, vows, will there be a sit-down dinner or hors d'oeuvres and crudités? Who will be in the wedding party?

"Every bride wants her wedding to be perfect and by that, many mean that they want the event itself and themselves to be absolutely beautiful," says Eric Gulbrandson, a wedding photographer and author of the new book, "Dream Wedding Secrets: The All Important G.S.F," (www.dreamweddingsecrets.com).

"But a perfect wedding is also one that people remember months and years later as a wonderful event where they thoroughly enjoyed themselves. Think about it - no bride wants her wedding remembered as a disaster!"

The secret is to put a high priority on what Gulbrandson calls the G.S.F. - Guest Satisfaction Factor.

"It's how others perceive your wedding," he says. "Most brides do want their guests to be able to enjoy their wedding, but they overlook the G.S.F. because all the advice is geared toward beauty and budgets."

Gulbrandson interviewed hundreds of wedding guests and compiled more than 200 do's and don'ts for brides-to-be for ensuring a high G.S.F. Among them:

•  If you invite children, arrange a supervised activity area for them. Couples often include children on their guest list because they contribute to the family atmosphere and celebration, but weddings are not child-centered events. Kids get bored; the wedding day is often a long one with extended periods of sitting quietly and an abundance of adults consuming alcohol. Help parents and children enjoy the event by arranging for a supervised activity area on the outskirts of the reception. A couple of teenaged relatives may appreciate earning some money for overseeing arts and crafts projects and games.  Hiring relatives for this job will help keep the costs reasonable.

•  Don't make costumes a requirement for your themed wedding. Whether you've got your heart set on a Renaissance faire or zombie nuptials, don't require your guests to shell out money buying or renting costumes! Yes, you can ease any financial burden by requesting they wear costumes in lieu of buying gifts, but that doesn't address the potential for physical and emotional discomfort. Sure, all your friends may be LARPers, but if Uncle Howard and Aunt Betty are not, they may not enjoy wearing capes and carrying swords to your ceremony.

•  Don't plan your wedding for a holiday weekend. Occasionally, brides plan their wedding for a three-day holiday weekend thinking it will help out-of-towners who want to attend. However, it also boosts the odds of local guests being out of town! Given that most working people have only two guaranteed three-day weekends a year, many plan ahead for them. Additionally, hotel and rental car prices tend to go up during holidays, and traffic doubles. Play it safe by avoiding calendar holidays and, of course, Super Bowl Sunday.

•  With food and drink, if you have to choose between quantity and quality, choose quantity. Nobody will mind if the chicken skewers aren't the best they ever had, but they will if you run out of them! While taste and presentation are important, having enough food and drink available throughout the event is more important than a glamorous presentation. If you have children at your wedding, you can keep costs down -- and make them happy -- by planning a separate menu of, say, chicken nuggets and macaroni-and-cheese.

•  When it's all said and done, don't ruin your perfect wedding by failing to follow through with that time-honored (for good reason) custom of sending thank-you notes. "Technically, accepted protocol allows guests a year after the wedding to send a gift, so you may be on the receiving end for quite some time!" Gulbrandson says. "Keep a list and send handwritten thank-you's as quickly as you can. Most guests and experts agree that one to three months after the wedding is fine, but my advice is to get on it quickly!"

About Eric Gulbrandson

Eric Gulbrandson is a longtime wedding photographer who began compiling interviews for "Dream Wedding Secrets: The All-Important G.S.F.," (www.dreamweddingsecrets.com), in 2009. As a wedding photographer, he heard many happy guests - and many unhappy ones - and realized that most publications offering wedding advice focused on either making the bride and wedding more beautiful, or planning the wedding on a limited budget. When interviewing guests, he asked one primary question, "What makes a wedding great or not so great for you as a guest?"  He compiled thousands of stories and responses to derive consensus opinions on essential Guest Satisfaction Factors.

4 Tips for Time & Budget Management from a Business Development Strategist

All successful CEOs have one thing in common: They're able to maintain a big-picture perspective. It's also something successful moms have in common, says Zenovia Andrews, a business strategist, speaker, author and mom who coaches entrepreneurs and CEOs on time and budget management.

"In business, CEOs implement a process that achieves efficient time and resource management in the most cost-effective way; sounds a lot like a mom, doesn't it?" says Andrews, founder and CEO of The MaxOut Group, a company devoted to empowering and teaching entrepreneurs development strategies to increase profits.

"If every mom were a CEO, America would rule the world!"

Andrews, author of the new book "All Systems Go - A Solid Blueprint to Build Business and Maximize Cash Flow," (www.zenoviaandrews.com), suggests the following tips for moms to better manage money and time.

•  CEOs utilize apps, and so should CEO Moms. When a CEO's personal assistant isn't around or, if it's a small business and she doesn't have one, then apps do nicely. There are several apps for moms, including Bank of Mom - an easy way to keep track of your kids' allowances. Set up an account for each child and track any money they earn for chores or allowance. The app also allows you to track their computer and TV time as well as other activities.

•  Measurement is the key to knowledge, control and improvement. CEOs have goals for their businesses and Moms have goals for their family members. In either case, the best way to achieve a big-picture goal is to identify action steps and objectives and a system for measuring progress. Want to improve your kids' test scores, help your husband lose weight or - gasp - free some time for yourself? There are four phases to help track progress: planning, or establishing goals; collection, or conducting research on your current process; analysis - comparing information from existing processes with the new one; and adapting, or implementing the new process.

•  Understand your home's "workforce." A good CEO helps her employees grow and develop, not only for the company's benefit, but for the employee's as well. Most people are happiest when they feel they're learning and growing, working toward a goal, which may be promotion within the company or something beyond it. When they feel the CEO is helping with that, they're happier, more productive, more loyal employees. Likewise, CEO Moms need to help their children gain the skills and knowledge they need not only to succeed in general but to achieve their individual dreams.

•  A well-running household is a community effort; consider "automated" systems. In business, automated systems tend to be as clinical as they sound, typically involving technology. Yet, there's also a human resource element. Automated systems are a must for CEO Moms, and they tend to take the form of scheduling at home. Whose night is it for the dishes, or trash? One child may be helpful in the kitchen, whereas another may be better at cleaning the pool.

About Zenovia Andrews

Zenovia Andrews, www.zenoviaandrews.com, is a business development strategist with extensive experience in corporate training, performance management, leadership development and sales consulting with international clients, including Pfizer, Inc. and Novartis Pharmaceuticals. A sought-after speaker and radio/TV personality, she is the author of "All Systems Go" and "MAXOut: I Want It All."

Illness Often Comes with Deeply Felt Stress; Fibromyalgia
Sufferer Offers Tips for Emotional Wellness

Sometimes, not knowing the truth about something of immediate importance can create some of the most intense stress, says former chronic pain sufferer Janet Komanchuk.

"The families of victims who've been missing for years or decades - identifying the body of their loved one, for example, can bring closure. For me, being diagnosed with fibromyalgia was also a relief - it meant that I had a name for my chronic pain," says Komanchuk, whose pain was so intense over a period of several years that she had to retire as a schoolteacher.

"My diagnosis meant I wasn't crazy, that the pain wasn't 'all in my head,' as some had suggested. It meant that my flu-like symptoms, accompanied by intense waves of pain, finally had form and dimension. I understood I was just one of many suffering with chronic pain that at last had a name."

Fibromyalgia syndrome is a complex, chronic condition of widespread muscular pain and fatigue. It often includes sleep disturbances, impaired memory and concentration, depression and other debilitating symptoms. The syndrome is one of the most common chronic pain disorders, affecting nearly one in every 60 Americans.

"When medical leave, morphine patches, codeine and myriad pharmaceuticals brought no relief, I tried a different approach in combination with medical treatment," says Komanchuk, (www.jkomanchuk.com), who has since enjoyed more than 13 years of pain-free and prescription-free living after finding an alternative healing therapy that works for her. She now works as an educational writer and public relations assistant with Joy of Healing, the alternative healing modality that she says brought about her remission.

"Through the years, I've learned a thing or two about dealing with the psychological trauma of illness."

Komanchuk shares tips to keep in mind for those suffering from an indeterminate condition.

•  Trust in yourself. "At times, the pain was so intense that I was certain my flesh was tearing away from my bones," says Komanchuk, who was just like the more than 100 million Americans who suffer from chronic pain, which costs nearly $600 billion annually in medical treatments and lost productivity, according to the Institute of Medicine. Despite her unmistakable pain, the critical doubt from others as to what she was experiencing was disheartening, at times causing her to doubt herself.

"Trust in yourself, for you know what you're feeling," she says. "Don't fall victim to the judgment and criticism of others who doubt your illness and the limitations it places on you or your activities."

•  Don't quit! Despite the immense scope of chronic pain, very little is spent on research to find better ways to manage pain. Komanchuk was faced with the prospect of spending the rest of her life in a nursing home.

"Yes, the pain was excruciating, debilitating and fatiguing, yet I still felt as though my life had the potential for vitality," she says. "The idea of going to a nursing home - reasonable for some - felt like a kind of death to me."

Convinced that there was hope for her in overcoming fibromyalgia, she persisted in her search for wellness answers.

•  Seriously consider alternatives. She was able to achieve what she thought was impossible - not just temporary relief, but permanent, lasting mind-body-spirit wellness. She had been to orthopedic surgeons, neurologists, rheumatologists, psychologists, underwent MRIs and took all manner of medications for her unbearable pain. In a narrow sense, it would seem as though she exhausted her options - until she looked beyond traditional Western medicine. Alternative treatment guided her to recognize the layers of stress throughout her life that she believes were a primary driver of her chronic pain.

"Every day, I am filled with gratitude for the fact that I am free of the torment from fibromyalgia that had plagued me throughout my life," she says. "I just wish I could give others a piece of the relief that I've found. All I can say is keep your eyes open, keep the hope alive and don't give up!"

About Janet Komanchuk

Janet Komanchuk, www.jkomanchuk.com, is a retired schoolteacher who has experienced the miraculous remission of chronic, debilitating fibromyalgia, which was the result of many overlapping stressors and unresolved issues throughout her life. While weathering extreme fatigue and pain, she'd tried everything from traditional Western medicine to alcohol consumption and various holistic treatments. It wasn't until she experienced the healing work of medium and healer Andrew Overlee, and his wife, Tamara, a dedicated spiritual counselor and author, that she was able to regain her life. She is now pain-free without any use of prescription medication. She is an educational writer and public relations assistant with Joy of Healing, Inc., in Valrico, Fla.

3 Ways to Get Your Audience Engaged with Your Brand This Summer
Marketing Strategies Should Adapt to Fit the Season, Says Skywriting CEO

It's summertime and whether or not people have vacation time to spare, they still behave accordingly, says advertising entrepreneur Patrick Walsh.

"Small business owners, non-profit organizers and anyone else trying to market a brand should take advantage of what makes this season special," says Walsh, CEO of AirSign Aerial Advertising, (www.airsign.com), a company that has re-imagined skywriting.

"While workers in the United States take far less vacation time than in most other developed economies, we still like to hit the beach and anywhere else with water, visit the park and grill outside with the family," he says. "With the kids out of school, many choose to take their days off during this time of year."

So, how can entrepreneurs tailor their message for a summertime audience? Walsh offers advice from past experience.

•  Don't be afraid to think big and beyond your handheld device. Earlier this year, during the South by Southwest (SXSW) festival in Austin, Texas, Walsh and his crew of pilots teamed up with artist Ben Davis for a public display of art dubbed "Pi in the Sky," to commemorate National Pi Day on 3/14. Pi is that infinite, enigmatic mathematical equation beginning with 3.14. Walsh's team of five synchronized aircraft spent more than 90 minutes printing out hundreds of numbers, each as tall as a skyscraper, in the pi sequence in a "painting" that covered 100 miles of airspace. Walsh and Davis garnered national exposure in newspapers, on TV and on the radio.

"This was the perfect cerebral display for the young, hip and entrepreneurial crowd attending SXSW," Walsh says. "Research potentially important summer dates and the cultural background of your target demographic."

•  Now, think within your little device - be interactive! With the help of Walsh's social media team, #PiInTheSky was created and shared on Twitter days before "Pi in the Sky" display. Walsh's planes spelled it out before beginning the Pi sequence, which allowed the social media team to control the message. People quickly figured out that using #PiInTheSky in their tweets and Instagram photo posts allowed them to share the experience with thousands of other people. Between the interactive campaign and the city-sized performance in the sky, AirSign's #PiInTheSky trended on Twitter at No. 2 nationwide on the day of the display and No. 1 in Austin for 24 hours, which captured the attention of the national media.

"Of course, this was pretty spectacular and took all kinds of planning, but we pulled it off!" Walsh says. "You don't have to go as big as we did to pull off something spectacular for your marketing efforts - but it does have to be interesting."

•  A step farther in knowing your audience: know who they are now. Grocery stores know how to move product. One strategy is to offer, during lunch and dinner hours, free samples of products they're trying to sell. If your audience is less predictable than the day's natural hunger cycles, then consider tracking the mood of your clientele via social media. If a major event is happening within your market, such as a summer concert series, position your brand to be part of the event.

"What's it like to be the people you're trying to attract? That's the question entrepreneurs constantly need to ask themselves," Walsh says. "Novel marketing strategies - or even those that are fairly straightforward - have the power to bypass the bargaining psychology of typical advertising by going straight to an audience's imagination."

About Patrick Walsh

Patrick Walsh is the CEO of AirSign Inc., (www.airsign.com), which, through the use of giant full-color airplane and helicopter banners, skywriting, digital night signs and blimps, produces show-stopping campaigns. The company recently received global recognition for its artistic skywriting display of several hundred pi characters over the 2014 South by Southwest festival. Walsh is a veteran entrepreneur.

Celebrities Gary and Cassie Chapman Discuss Their Journey

For many married couples, there comes a time when having children becomes the first priority. Often, the urge to create life and see it into the world becomes overwhelming.

But that urge can put many couples on an unpredictable journey, especially when they decide that their love, time and resources can be best put to use through adoption, says award-winning singer-songwriter Gary Chapman. He and his wife, former Nashville Wives star Cassie Piersol Chapman, say they were open to whatever God had in store for them.

"We knew it was time to give our hearts to a child," says Gary, 56, a five-time Grammy-nominated, seven-time Dove Award-winning artist who recently released his first album in a decade, The Truth, (www.garychapmanmusic.com).

But, while the decision to have a child was made, conceiving was taking awhile. Gary, who had reversed a vasectomy and is 23 years older than Cassie, has three grown children.

"During this period, I got a call from a friend telling me about a woman who was four months pregnant and looking for a suitable adoption family," says Cassie, who is proactive in multiple charity groups which facilitate a legal alternative to going through an agency. "It was as if God knew where this child needed to be after the birth. I immediately understood that this would be our path."

Through private, or independent, adoption, the Chapmans received their blessing, a baby girl they named Eva Rose. Gary and Cassie talk about the benefits involved in private, or independent, adoption:

• Parents can begin bonding with their child more quickly after birth:Private adoption allows for the newborn infant to bypass foster care, which is typically required by state-run agencies. Most babies adopted between private parties go home from the hospital with the adoptive parents.

"In our case, the birth mother had a 10-day grace period starting from time of Eva's birth," Cassie says. "While that was tough, I think it offers more peace of mind for birth mothers."

• It allows for more control, more collaboration and more choice:Independent adoption gives all parties greater autonomy in making important choices about the baby and each other. For many, the opportunity for the birth mother and adoptive parents to meet adds reassurance that decisions are being made in the best interest of the child. This dynamic doesn't exist in the more common state-run agencies.

"I think some folks actually prefer a more anonymous approach," Gary says. "Let's admit it - these can be some of the toughest decisions in a woman's life, and she may not want a relationship with adoptive parents."

• Better access to information: What's the child's background? Should you anticipate medical issues down the road? What if a child wants to know more about his biological mother and father, including their spiritual background? Private adoption allows for direct communication between the two parties.

"Birth mothers may not even know if they'll want contact with their child 20 years later," Cassie says. "If adoptive families go this route, they ought to collect as much relevant information about the child's birth parents as they can."

• Adequate safety measures: Like other types of adoption, private adoption is governed by state laws. In addition, if a child is brought from one state to another, then the provisions of the Interstate Compact on the Placement of Children apply.

"Folks should understand that private adoption isn't like the Wild West; it's just a less bureaucratic method of adoption," Gary says.

About Gary & Cassie Piersol Chapman

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

Cassie Piersol Chapman starred in TNT's 2014 docudrama Private Lives of Nashville Wives (from the Real Housewives creators). She grew up on her family's West Virginia farm and was active in 4H and other agricultural activities. She also sang in a choir, modeled and became a star cheerleader in high school. She won two national cheerleading titles at Morehead State University in Kentucky. She has appeared in music videos, commercials and printed work. She works with her husband, Gary, on A Hymn a Week, a popular online devotional.

5 'P's" for Your Social Media Marketing Success
By: Jeremy Juhasz

Small businesses and nonprofits face a different set of circumstances when it comes to social media marketing than their larger for-profit counterparts, namely, smaller budgets, fewer employees and a greater priority on traditional forms of marketing.

For those charged with marketing, the biggest first step toward making social media an integral component of the plan may be convincing your organization. Despite widespread use of social networks for personal connections, the leadership of smaller organizations often questions its effectiveness as a marketing tool and whether they'll see a return on their investment.

I've developed and implemented social media strategies for a variety of organizations -- for-profits, nonprofits, and individuals. For all of them, I've discovered, when it comes to social media, it's important to remember the 5 P's:

1.) Plan - Identify what you hope to accomplish and create a strategy to take you there. Too many nonprofits and small businesses dive into social media because they "have" to and don't consider a plan of action before they do so. Make a list of what you want to accomplish. Is it to gain more donors? Get a higher attendance at your annual fundraiser? Increase sales?

Make it a priority to identify goals so you can create the social media strategies for meeting them.

2.) Patience - Nothing happens overnight. It takes time to develop relationships and establish credibility with your brand and your target audience. Over time, events and a steady pace will win out. Rushing leads to mistakes.

The type of patience I'm referring to is a long-term mindset. When day-to-day activities seem arduous and, at times, unfulfilling, know that each day builds to the greater goal. March on.

3.) Persistence - You must be stubbornly committed to your goals and your strategy. Keep plugging away and give your plan a fair amount of time and analysis before you pull the plug. If you know the plan is a good one, it's not a good ideas to panic and change course simply because you're not seeing results as quickly as you'd like.

That said, circumstances change, not every strategy works, and you need to also be willing to recognize that it is time to try something new.

Be persistent in implementing your plan and in monitoring whether you're reaching the objectives that will take you to your goal.

4.) Pay (what you can) - These days, especially on Facebook, it's a pay-for-play landscape. Pay where you can, if you can. The results can provide the spark you need to drive a specific campaign or to increase your overall visibility to your target market. It can also be a very affordable alternative to other digital advertising options.

5.) Prioritize - I can't stress enough the importance of time management. If your marketing staff consists of only one or two people, it's essential that you stay on top of your social media strategy by prioritizing your quarterly, monthly, weekly and daily objectives and goals. Nonprofits and small businesses face countless new daily challenges. Sometimes we lose track of what's most important. Take the time to identify those tasks critical to your success and make them a priority.

You can succeed with social media even if your organization doesn't have the brand recognition of a multi-billion dollar corporation. If you remain even-keeled and set realistic goals, the return on investment will follow.

About Jeremy Juhasz

Jeremy Juhasz is a social media strategist at EMSI Public Relations and a panelist for the Tampa Bay Marketing Summit, (www.tampabaymarketingsummit.com) on Aug. 8. Jeremy has  years of experience managing social media marketing for the nonprofit sector, including launching social media and online strategies for  Feeding America Food Bank and Goodwill affiliates. His multi-media background includes work as a newspaper reporter and as a marketing professional.  He's a graduate of Alfred University and attended Kent State's School of Communication and Information, public relations.

Self-Made Millionaire Shares Common Mistakes to Avoid

You don't have to come from a wealthy family, have the next billion-dollar idea or work 18-hour days to become rich, says self-made millionaire Mike Finley.

"You don't have to be extraordinary in any of the headline-grabbing ways; what you need is the self-awareness to avoid wasting money on short-term, retail-priced happiness," says Finley, author of "Financial Happine$$," (www.thecrazymaninthepinkwig.com), which discusses his journey to financial literacy and the principles and practices that allowed him to retire from the Army a wealthy man.

"Money used wisely can give you the financial security associated with the good life."

Finley lists 10 of the most common money traps that lead to consumers going broke:

•  Make the appearance of wealth one of your top priorities by acquiring more stuff. The material trappings of a faux lifestyle, as seen in magazines and advertisements, are not good investments either financially or in long-term happiness.

•  Work a job you hate, and spend your free time buying happiness. Instead, find fulfilling work Monday through Friday so you're not compensating for your misery with expensive habits during the weekend.

•  Live paycheck to paycheck and don't worry about saving money. Live for today, that's all that matters. Have you already achieved all of your dreams by this moment? If not, embrace hope and plan for tomorrow. (Appreciating your life today doesn't require unnecessary expenditures.)

•  Stop your education when someone hands you a diploma; never read a book on personal finance. Just about any expert will tell you that the most reliable way out of poverty is education. Diplomas shouldn't be the end of learning; they should be a milestone in a lifetime of acquiring wisdom.

•  Play the lottery as often as possible. While you're at it, hit the casino! Magical thinking, especially when it comes to money, is a dangerous way to seek  financial security.

•  Run up your credit cards and make the minimum payments whenever possible. Paying interest on stuff you really don't need is a tragic waste of money.

•  When you come into some free money, spend it. You deserve it. By that logic, you're saying that a future version of you doesn't deserve the money, which can be multiplied with wise investments.

•  Buy the biggest wedding and the biggest ring so everyone can see just how fabulous you really are. Nothing says "Let's start our future together" like blowing your entire savings on one evening.

•  Treat those "amazing" celebrities and "successful" athletes as role models. Try to be just like them whenever possible. As far as we know, there's only one you the universe has ever known. Don't dilute your unique individuality by chasing an image.

•  Blame others for your problems in life. Repeat after me: I am a victim. The victim mentality is an attempt to rationalize poor habits and bad decision-making.

"If you're feeling uncomfortable with your financial situation, don't just sit there in a malaise of 'If only I had more money,' " Finley says. "Instead, use it as motivation for a better life; that's why the discomfort is there."

About Mike Finley

Like most Americans, Mike Finley was raised with no education in personal finances. Joining the Army out of high school, he realized he didn't understand money management and began the task of educating himself. After 26 years in the service, during which he practiced the principles he learned, he retired a millionaire. Finley is the author of "Financial Happine$$," (www.thecrazymaninthepinkwig.com) and teaches a popular financial literacy class at the University of Northern Iowa. He donates much of his time to additional groups, including Junior Achievement of Eastern Iowa and organizations serving veterans and current military personnel.

Financial Experts Explain When It's OK to Play It Safe -
and When It's Not

As people get closer to the age when they hope to retire, traditional wisdom calls for moving into more conservative - safer - investments, such as Treasury bonds and many fixed-income mutual funds.

"The problem is, what is 'safe' for one person may not be 'safe' for another, given the amount of money in their portfolios, how their investments are allocated, and what their retirement lifestyle goals are," says  financial advisor Haitham "Hutch" Ashoo, co-founder with advisor Chris Snyder of Pillar Wealth Management, LLC, (www.pillarwm.com).

"Some investors believe Certificates of Deposit and U.S. Treasury bonds are safe investments because of their backing, but the income they generate is so low, they may not be safe in terms of producing the income you need for 30 years of retirement."

A better approach is to analyze how much investment risk you must assume to achieve what's important to you, says Snyder.

"Your lifestyle goals determine your risk level, and your portfolio should be an allocation of stocks, bonds and cash that correlates directly with the risk level you need to assume."

Snyder and Ashoo, co-authors of "Four Factors The Affluent Must Know To Avoid Financial Disaster And Secure Their Dreams," available as a free download at(www.pillarwm.com), offer these tips for building a portfolio you likely won't outlive:

•  Don't aim for earning a certain percentage rate simply because you consider it an acceptable one.

Once you've identified your retirement lifestyle wants and needs, you can calculate how much they'll cost. Subtract your guaranteed income from sources like Social Security and pensions, and the remainder is what your portfolio will need to generate, adjusted for inflation, for the rest of your life, Ashoo says.

"Setting a goal of earning a 5, 6 or 8 percent return doesn't work because the markets fluctuate each year and are unpredictable," he says. "It's better to evaluate inflows and outflows during retirement and adjust for inflation. That process helps determine how much money you'll need at certain points in your life, and the returns you'll need."

•  Market timing and chasing hot managers is not the way to build a lasting, long-term portfolio.

Modern Portfolio Theory, developed by Nobel Prize-winner Harry Markowitz, tells us that 90 percent of the return in your portfolio is based on the allocation of stocks, bonds and cash, Snyder says.

"The percentages you allocate between these asset classes is far more important than timing the market or chasing around for the number one fund," he says. "Wall Street prefers you spend your time focused on the wrong thing.

•  Don't automatically spend when your portfolio earnings exceed expectations.

When your portfolio is growing at a rate that gives you a good amount of confidence you won't outlive your money, are you safe to spend more when gains exceed your expectations?

"Everyone has different priorities - some may want to increase spending to enhance their lifestyle while others may take the opportunity to lower their risk even more, so they can sleep better at night," Ashoo says.

He and Snyder say clients in that situation this year have responded in varying ways. Some have paid down mortgages with the extra money, moved up their plans to retire, traveled more or lowered their portfolio risk.

"What you need to remember is that gains can be taken away as quickly as they appeared," Snyder says.

About Haitham "Hutch" Ashoo and Chris Snyder

Haitham "Hutch" Ashoo and Chris Snyder are co-founders of Pillar Wealth Management LLC, (www.pillarwm.com), of Walnut Creek, Calif., specializing in customized wealth management advice to affluent families. Their unique five-step consultative process for new clients ensures they have a deep understanding of clients' goals. With a combined 51 years of experience, they are the authors of numerous published works, have addressed thousands of investors nationwide, and have been interviewed on radio shows across the country.

Why Our Industrial Age Schools are Failing Our Information Age Kids
Educator, Researcher Describes 4 Ways to Reboot

In spite of the billions of dollars spent on educational reform since "A Nation at Risk" was published in 1987, more than half of America's high school seniors are not proficient in reading, and 75 percent can't do math, according to the recently released National Assessment of Educational Progress.

"Clearly, the current approaches to educational reform are failing," says notes educational researcher and consultant Charles M. Reigeluth, author of "Reinventing Schools: It's Time to Break the Mold" (www.reigeluth.net). "The problem is that major aspects of our educational system were devised to meet the societal needs of a bygone era."

"We need to change the paradigm - we need to move from Industrial Age 'factory model schools' to accommodate and reflect Information Age needs and realities."

The Industrial Age in the United States, roughly 1830 to 1960, was shaped by machinery and mass production. Many jobs moved from farms to factories, which required workers - and therefore students - who would follow instructions and endure repetitive, boring tasks, he says.

"We did not need to educate many people to high levels, so Industrial Age schools sorted students, promoting the few needed for managerial and professional work, and flunking out the many needed for the assembly lines," says Reigeluth, a former high school teacher and Indiana University professor.

"Today, knowledge work is more common than manual labor, and our systems are far more complex. All adults need a higher degree of knowledge just to function in society, so we can no longer afford a system that is designed to leave many children behind."

Here are four Industrial Age educational artifacts, according to Reigeluth, and how to update them for the Information Age:

•  Time-based student progress: Currently students in a class move on together to the next topic according to the calendar, regardless of whether they have learned the current material.  Slower students accumulate learning gaps that make it more difficult for them to master related material in the future, virtually condemning them to flunk out. The system is designed to leave many children behind.

A paradigm designed to leave no child behind would allow each student to move on as soon as he or she has learned the current material, and no sooner.  This requires "personalized learning'' and "learner-centered instruction" that is both high-tech and high-touch.

•  Standardized and other broad tests: Rather than evaluating a student based on how much he or she has learned in a certain amount of time, such as a 9-week period, each student should be evaluated to determine when the material has been learned, so we know when the student is ready to move on. This is called "criterion-referenced assessment," a different paradigm from "norm-referenced assessment."

"A big test with 20 different topics, as we use now, shows only how much a student knows compared to other students," Reigeluth says. "In the Information Age paradigm, all students are expected to finish learning whatever they undertake to learn. Like a Boy Scout working on a badge, each student continues to work until the material is mastered."

Assessments, then, are incremental and cover a single competency, or a small set of competencies. They certify mastery while also helping guide learning by showing students what they need to continue working on.

•  The traditional grading system : The traditional grading system indicates how well a student performed compared to the other students in a class - a tool that is only effective in sorting students. It's not an effective way of guiding and ensuring individual student learning, and it tells you little about what the student has learned.

"Rather than achievement reflected as grades on a report card, it would be reflected as lists of skills and concepts that the student has mastered," Reigeluth says.

•  Locking students into grades: Grade levels are incompatible with the Information Age model because students learn at different rates and become ready to move on to different material at different times. Grade levels are a key feature of the time-based, sorting-focused paradigm that served us well during the Industrial Age, but are detrimental to meeting Information Age educational needs.

Instead, group students into similar developmental levels, which typically span three to four years.

"Grouping developmentally, rather than based on age or rigid levels of content learning, accounts for the different rates at which children develop socially and emotionally," Reigeluth says. "Children can remain in their social-emotional peer group while working on projects typically tackled by students of a higher or lower age."

About Charles M. Reigeluth

Charles M. Reigeluth is a distinguished educational researcher who focuses on paradigm change in education. He has a B.A. in economics from Harvard University, and a Ph.D. in instructional psychology from Brigham Young University. He was a professor at the Instructional Systems Technology Department at Indiana University, and is a former chairman of the department. His new book, "Reinventing Schools," (www.reigeluth.net), advocates and chronicles a national paradigm change in K-12 education. He offers presentations and consulting on this topic.

Avoid a Scam, or Worse, When Navigating the Dating Scene

Not only have online dating sites opened up a whole new dynamic for singles looking for company - attitudes about the viability of these sites have become more positive.

The Pew Research Center recently published the following survey results:

• Almost 60 percent of Americans say online dating sites are a good way to meet people, up from 44 percent in 2005.

• While one-third of those who use the sites never go on an actual date - that leaves 66 percent of users who do.

• One in five young adults have used a dating site, and they're growing in popularity with older adults, too.

"I was one of those older adults who found online dating sites to be a convenient way to meet women for potential romance," says Charles W. Massie, a baby boomer who wrote about his online dating experience in a new novel, "Stains on the Gavel" (www.starshowpublications.com).

"Middle-aged singles have a smaller pool to draw from because so many men and women are married with families by then. That makes finding love tough."

Massie, an entrepreneurial businessman with his own business and a full schedule, says he was elated when things progressed quickly online with a hot prospect.

"I almost couldn't believe how lucky I was," he says. "Unfortunately, I did believe it, which led to this woman taking advantage of me in the worst way."

The woman set him up in an elaborate ruse that resulted in him going to jail on false charges, while she took possession of everything he owned.

"Something that was too good to be true wound up becoming a nightmare," says Massie, who suggests these red flags:

•  She likes everything about you. "To put it simply, I quit thinking with my brain," he says.

No matter how smart, established or successful you may be in other aspects of life, just about everyone of any age loves being love-drunk; it's not just for teens like Romeo and Juliet. But what are the chances that a smart and very attractive woman, about whom you know next to nothing, likes everything you like, do and are?

"The food I liked, the hobbies I liked, the music I liked and political affiliations were identical to hers," he says. "That was a red flag."

•  She asks you to move in almost immediately. Most smart young women are somewhat cautious while getting to know a potential new love interest.

"This woman, however, was all too eager for me to leave my home state to move into her home," Massie says. "That should tell you one of at least two things: she's either desperate for someone because she's emotionally unstable, or she has no fear of you, which could mean she's working an angle."

•  She really is, physically, too good to be true. It's possible that a hot date that's "out of your league" will come to love you for who you are - in time! On the other hand, when you weigh all of the conditions that may include the fact that you don't really know her, nor she you; that you are financially sound and she is not; that she suggests a living situation that's moving far too fast; that you've only known each other for a matter of weeks, and never met in person - "yeah, at that point, you should be at least a little skeptical," he says.

About Charles Massie

Charles Massie is an engineer, former member of the U.S. Navy and businessman, overseeing several companies including Massie Engineering Associates and InfoTech Consulting. He's also a prolific writer and owner of Starshow Publications. "Stains on the Gavel," www.starshowpublications.com, continues the story of his online dating and criminal justice nightmare, which began in his first novel, "Pinned: A Kentucky True Crime."

Pages