By Charles M. Reigeluth, Ph.D.

Think of our schools as a horse and buggy - it worked well in a different time, but times have changed. Educational needs have changed as much as transportation needs.  Retrofitting a horse and buggy will not give us an airplane, and yet we seem to expect that reforms to our schools will meet our new educational needs. And why shouldn't we?

We've never experienced a paradigm change in American education.  All we know is piecemeal reforms.  But there has been a paradigm change.  In the mid 1800s, as our communities transformed from agrarian to industrial societies, the one-room schoolhouse no longer met our educational needs and was gradually replaced by the current, factory model of schools. This was a paradigm change because the fundamental structure of the one-room schoolhouse was different - it had no grade levels, no courses, no standardized norm-referenced tests.

Could it be that once again our educational needs have changed so dramatically that only paradigm change will be effective?  To answer this question, we should first determine whether our current educational systems are meeting our needs.  Consider the following:

• 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.

• The PISA test administered by the Organisation for Economic Co-operation and Development in 2012 found that the United States ranked 17th in reading, 27th in math, and 20th in science among the 34 OECD countries (http://www.oecd.org/pisa/keyfindings/PISA-2012-results-US.pdf).

• The hidden curriculum - compliance and tolerance for boring, repetitive tasks - was very important for manual labor during the Industrial Age but is counterproductive for the initiative and problem-solving skills needed for knowledge work in the Information Age.

• Our communities are increasingly segregated by socio-economic status, resulting in greater disadvantages for many students.

Clearly, our schools are not performing as well as we would like and need them to in an increasingly competitive global economy.

This poor performance is not due to lack of effort. Since "A Nation at Risk" was published in 1987, billions of dollars have been spent on educational reforms.  So why have they failed, and why are they destined to continue to fail no matter how much money we spend on them?

The primary reasons have to do with fundamental changes in society - its educational needs and tools.  To understand this, it is helpful to consider a truth about learning: Students learn at different rates.  Yet our current paradigm of education tries to teach a fixed amount of content in a fixed amount of time. So the current structure, by basing student progress on time rather than learning,

• forces slower students to move on before they have mastered the material (thus accumulating gaps in knowledge that make future learning of related material more difficult and virtually condemn those students to flunking out), and

• holds back faster learners, demotivating them and squandering their sorely needed talents.

As described in my recent book, Reinventing Schools: It's Time to Break the Mold (http://www.reinventingschools.net), a system designed to not leave children behind would have each student move on only when s/he has learned the current material, and as soon as s/he has learned the current material.  Until schools make this fundamental structural change, they will continue to leave children behind, no matter what educational reforms we make - be it more high-stakes testing, more teacher professional development, smaller class sizes, more focus on basic skills, longer school day or year, or whatever the latest fad.

So what does this have to do with changes in society?  Alvin Toffler has convincingly described how societies undergo massive waves of change, from the Hunting-and-Gathering Age, to the Agrarian Age, the Industrial Age, and the Information Age.  Each wave has brought about paradigm change in all of society's systems:

• the family (extended family in the Agrarian Age, followed by the nuclear family, and now the working-parent family - dual-income and single-parent);

• transportation (horse and sailboat in the Agrarian Age, followed by a combination of the railroad and steamboat, and now the automobile and airplane);

• lighting systems (flame, incandescent bulb, LED);

• health-care systems;

• legal systems;

• communication systems;

• and, of course, education systems.

The one-room schoolhouse was the predominant paradigm of education in the Agrarian Age, the current factory model of schools in the Industrial Age, and the learner-centered paradigm (which exists only in about 1 percent of U.S. schools so far) in the Information Age.

The reason for these paradigm changes is that each wave of change creates different ends and means - different purposes for education and different tools for education.  Regarding purposes, during the Industrial Age, manual labor was the predominant form of work.  We did not need to educate many people to high levels; rather we needed to separate the future laborers from the future managers and professionals by flunking them out.  We needed a system that could sort the students - that would leave the slower students behind.  So we invented time-based student progress, norm-referenced testing, and letter (or number) grades.

But in the Information Age, knowledge work is becoming predominant. We need a system that is focused on maximizing every student's learning, which is evidenced by our talk about "no child left behind."  This requires a system in which student progress is based on learning, not time.  Furthermore, the hidden curriculum in the Industrial Age paradigm was training students to be compliant and tolerant of boring tasks, important preparation for the assembly line. That curriculum is counter-productive for knowledge work.  Now we need a hidden curriculum of initiative, problem-solving, collaboration, and lifelong learning, which can perhaps best be achieved through self-directed, project-based learning.

As for education tools, information technologies make it much easier and less expensive to customize student progress and other aspects of instruction, enhance intrinsic motivation, integrate criterion-referenced testing with teaching (as is done in the Khan Academy - http://www.khanacademy.org/about), and keep track of what each individual student has learned.

There are many schools in which paradigm change has already been happening - more than 140 are listed in Reinventing Schools.  But in contrast to piecemeal reforms, paradigm change entails fundamental changes throughout the entire system :

• the instructional subsystem (from teacher-centered to learner-centered and self-directed, from standardized to customized, from extrinsic to intrinsic motivation),

• the assessment subsystem (from norm-referenced to criterion-referenced, from separate from instruction to integrated with instruction, from artificial to performance-based),

• the record-keeping subsystem (from comparative grades to an inventory of attainments),

• the roles of teachers (from "sage on the stage" to "guide on the side"),

• the roles of students (from passive, teacher-directed to active, self-directed),

• the roles of parents (from cookie bakers to partners in their children's learning),

• the roles of technology (from tool for the teacher to tool for the learner),

• and much more.

Where piecemeal educational reforms are destined to fail, paradigm change will eventually succeed. This is a point that policy-makers fatally overlook, with devastating consequences for our children and consequently our communities and economy.

The recognition that students learn at different rates also requires rethinking the definition of "achievement gap." It is traditionally defined as the gap in achievement between groups of students of the same age - typically by racial or socioeconomic groups.  This definition arose out of Industrial Age thinking, expecting all students to be the same, and results in a misplaced emphasis for improving education.

The achievement gap that we should be most concerned about is the gap between what an individual student has learned and what that student could have learned.  The goal should be for all children to reach their potential, not for all to have learned the same things by the same age.  The only way for all to learn the same things by the same age would be to hold back the faster learners.

The United States espouses the goal of leaving no child behind, but it is clear that our Industrial Age system with time-based student progress is designed to leave children behind, and no educational reforms within that paradigm can change that dismal fact.

Toffler's insights show us why paradigm change is needed at this point in history - indeed, why it is inevitable, just as the transformation from the one-room schoolhouse to the factory model was inevitable.  The major concern is how long this paradigm change will take, and how much damage will be done to our children, their communities, and our economy before it happens.

Toffler's insights also help us to see what the new paradigm should be like and how it will greatly improve student learning, equity and cost-effectiveness while simultaneously professionalizing the teaching occupation.  The book Reinventing Schools elaborates on that vision, describes three school systems that fit the new paradigm, along with evidence of their effectiveness, and offers guidance for what school systems and policymakers can do to engage in this transformation.

Until educators, policymakers, and the public understand that the paradigm must change from one in which student progress is based on time to one in which it is based on learning, we will continue to leave children behind, regardless of what piecemeal reforms we make.

About Charles M. Reigeluth

Charles M. Reigeluth, www.reigeluth.net, has a B.A. in Economics from Harvard University and a Ph.D. in Instructional Psychology from Brigham Young University.  He taught high school science for three years, was a professor at Indiana University for 25 years, including department chairman  for three years.  His research, conducted in schools, focuses on paradigm change in educational systems, the design of high-quality instruction, and the design of technology systems for the learner-centered paradigm of education. He is the author of Reinventing Schools: It's Time to Break the Mold (http://www.reinventingschools.net).

Math-Minded Financial Advisor Lays Blueprint for
Rethinking Your Earning & Distribution Years

What does it take to be comfortable during retirement? Conventional wisdom calls it the 4 percent rule - withdrawing about that amount from your nest egg each year to live comfortably. And, for that, millions of Americans believe they need to stick to a job they don't like during their earning years.

"Unfortunately, the kind of money retirees want to spend each year for a comfortable lifestyle tends to be about $60,000, which means someone's nest egg would have to be $1.5 million for that rate of withdrawal to sustain for 25 years," says financial advisor Dave Lopez, a mathematics and computer science major who applies his analytical mind to solving retirement challenges.

"Of course, there are additional sources of income during retirement, such as social security, but the program may not survive the coming decades. And, there are additional costs of retirement, including legacy interests and the likelihood of needing long-term medical care."

The fact is that millions of retirees simply do not have or will not have the kind of income they'd like to have during retirement. Lopez, founder of ILG Financial, LLC (www.theilg.com), discusses an alternative approach to the golden, or distribution years.

•  Remember, Social Security is a welfare program. Before President Roosevelt signed the Social Security Act in 1935, seniors worked. America was an agrarian culture, and many who were in their 60s and 70s usually continued duties on the family farm, albeit handling lighter tasks. Social Security is essentially a Socialist idea. A response to the Great Depression, its purpose was to move out older workers in favor of employing younger Americans, but times have changed.

•  You don't have to remain stuck in your "earning" job. "The U.S. government is the biggest employer in the world, and I work with many of its employees," he says. "They usually have high-stress jobs and usually want to retire as early as possible and, while leaning on their pension, start working on their own terms as government contractors."

•  Consider retiring early and working the job you've always wanted. The model frequently followed by retired government workers can be replicated by millions of other retirees. You don't need a $1.5 million nest egg when you combine Social Security with a smaller withdrawal amount and a fun job earning $20,000 a year. Retirees can be creative in how they earn this "fun money."

"Let's say your passion is water skiing - why not parlay this hobby into a career?" Lopez says. "You'll likely have decades of experience and plenty of contacts. You might work for a ski shop or create a small business giving lessons. Doing something you love is a great way to stay active as an older person."

•  No pension? - Create your own. The days of working 30 years for a single company and collecting a sizeable pension are mostly over. This means retirees need to get creative and rely on other sources of income, including IRAs and strategies for annuities - effectively creating their own "pension." Annuities are contracts with insurance companies. The contracts, which can be funded with either a lump sum or through regular payments, are designed as financial vehicles for retirement purposes. The money used to fund the contract grows tax-deferred. Unlike other tax advantaged retirement programs, there are no contribution limits on annuities.

"Annuities provide plenty of opportunity," he says. "Of course, creative options also yield the risk of complexity. You'll want to be sure to know what you're doing, or at least consult with an accredited professional."

•  Consider lifestyle changes. Through the distribution years, you should consider moving to a place where the cost of living is cheaper than major metropolitan areas. Simply put, you'll want your money to go further. Take a play from younger folks who are cutting their cable in favor of only Wi-Fi access. Learn how to cook delicious meals on a budget. For many, learning how to make one's money work better for them, rather than working for their money, is a preferable lifestyle.

About Dave Lopez

Dave Lopez is the founder of ILG Financial, LLC and has been working with individuals and businesses in the Northern Virginia area since 1986. He specializes in strategies that enable his clients to potentially build a retirement nest egg that they can rely on and can never outlive. Lopez has his Bachelors of Science degree from James Madison University with a major in mathematics and computer science. He is an investment advisor representative of AlphaStar Capital Management, LLC, a registered investment advisor.

World-renowned Expert Shares 5 Helpful Tips

Whether it's Mom, Dad, Grandma or Grandpa - or your spouse - the "holiday quarter" can present special challenges for families with a loved one suffering from dementia.

"We have an expectation that loved ones should never change from the person we've perceived them to be for years, but everyone changes significantly over an extended period, especially those diagnosed with dementia," says Kerry Mills, a sought-after expert in best care practices for people with dementia, which includes Alzheimer's. November is Alzheimer's Awareness Month.

"Dementia encompasses a wide range of brain diseases, which means it's not the fault of a Grandma if she has trouble remembering things or gets flustered. Empathy for what she's experiencing on the level of the brain will help your relationship with her. Do not expect her to meet you halfway to your world; you have to enter her world."

Spouses have a particularly difficult time coping with their partner's dementia, Mills says. A spousal relationship is a team and is central to the identities of both people. So, while you're paying special attention to a parent's or grandparent's condition, extend it to his or her spouse, she says.

Families tend to have a hard time coping with a loved one's dementia during holiday gatherings. Mills, coauthor with Jennifer A. Brush of "I Care, A Handbook for Care Partners of People with Dementia," (engagingalzheimers.com), offers tips for how to interact with a loved one - say, Grandma - whose brain is deteriorating.

•  Do not get frustrated. "First, do no harm" - the excellent maxim taught to medical students, is also a great first principle for those interacting with Grandma, who may be experiencing a level of frustration and anxiety you cannot comprehend adequately. She simply doesn't have access to certain details, but she is still a conscious and feeling person who has plenty to offer. If you get frustrated, she'll pick up on it.

•  Dedicate someone to Grandma during the gathering. Of course, loving families will want to include Grandma in the group, but be careful not to overwhelm her with attention. Her brain, which has trouble processing some information, could use assistance - a liaison to help her process things. Grandpa could probably use a break; her son or daughter may be the best handler during a gathering.

•  Give Grandma purpose; give her a task in the kitchen. Keep Grandma, who may've been prolific in the kitchen in the past, engaged! Simple tasks, such as mashing potatoes or stirring gravy, may be best. Engage her in conversation about the food. If it's Grandpa whose suffering dementia, include him in a group. Give him a cigar if the other men are going outside to smoke. Engage him in a conversation about football, which may allow him on his own terms to recall details from the past.

•  Use visual imagery and do not ask yes-or-no questions. Again, asking someone with Alzheimer's to remember a specific incident 23 years ago can be like asking someone confined to a wheelchair to run a 40-yard dash - it's physically impossible. Don't pigeonhole her. Direct Grandma in conversation; say things to her that may stimulate recollection, but don't push a memory that may not be there. Pictures are often an excellent tool.

•  Safety is your biggest priority. Whether during a holiday gathering or in general, Grandma may commit herself to activities she shouldn't be doing, such as driving.

"She's been driving for decades, and then she develops a memory problem, which not only prevents her from remembering her condition, but also how to drive safely," Mills says. "This major safety concern applies to any potentially dangerous aspect to life."

"Currently, there's a stigma with the condition, but I'd like to change the baseline for how we regard dementia," Mills says. "As with other medical conditions, Alzheimer's should not be about waiting to die - patients often live 15 years or more after a diagnosis. It should be about living with it."

About Kerry Mills

Kerry Mills, MPA, is an expert in best care practices for persons with dementia both in the home and in out-of-home health care residences and organizations. She is a consultant to numerous hospitals, assisted livings, hospice, home care agencies, senior day care centers and nursing homes. In her twelve-year career in health care, she has served as executive director and regional manager for numerous long-term dementia facilities. She is an outspoken advocate for persons with dementia, lecturing in Hong Kong, Canada, China, Europe and the United States. Her book, coauthored with Jennifer A. Brush, "I Care," (engagingalzheimers.com), is the 2014 Gold Award Winner of the National Mature Media Awards.

3 Tips for Preventing, Minimizing and Repairing Damage
from Exposure

Don't pack away the sunblock with your swimsuit and other summer accessories. Winter's sun is just as dangerous as summer's, says Adam J. Scheiner, M.D., www.adamscheinermd.com, an eyelid and facial cosmetic surgeon who's been featured on The Dr. Oz Show, The Howard Stern Show and The Doctors.

"The snow reflects the glare of the sun - and the damaging UV rays," he says. "People who like skiing and snowboarding in the mountains are getting 4 to 5 percent more UV damage for every 1,000 feet they ascend above sea level."

And then there are all those holiday cruises and escapes to warm-weather climates where beaches are packed year-round.

"It's not OK to lie baking in the sun for hours, even if it's just one week out of the winter," Dr. Scheiner says.

No matter how comfortable or cool the temperature feels, don't be fooled!

"Earlier this year, the surgeon general predicted 9,000 people will die from melanoma this year. That's preventable," Dr. Scheiner says.

"If skin cancer doesn't scare you, think with your vanity. Sun exposure is the No. 1 cause of wrinkles, discoloration, age spots and festoons, among other disfiguring problems."

Dr. Scheiner shares tips for preventing, minimizing and repairing sun damage:

•  Prevention: You're not just exposed when you're skiing, hiking, or taking a beach vacation.

"Anytime you go outside, you're exposing yourself to damaging UVB and UVA rays, and the result is cumulative. A little bit here and a little there adds up," Scheiner says.

Simply driving a car can result in serious sun damage. A study published in the Journal of the American Academy of Dermatology found more skin cancers on the left side of patients' faces - the side exposed while driving - then the right. Scheiner says he's seen truckers and others who spend years on the road with severe wrinkling on the left side of the face.

"Always wear sunscreen, which protects against UVA and UVB rays. I recommend a Broad Spectrum Sunscreen with an SPF (sun protection factor) of at least 30, preferably higher," he says. "You can also protect yourself from UVA rays, which cause deeper damage, by applying UV-protective film to your car windows. Also, wear clothes with a UPF (ultraviolet protection factor) rating of at least 30."

•  Minimizing: Good nutrition and topical products can help minimize signs of damage, such as wrinkles and age spots, Dr. Scheiner says.

Eat foods rich in antioxidants -- carrots and other yellow and orange fruits and vegetables; spinach and other green leafy vegetables; tomatoes; blueberries; peas and beans; fatty fish, and nuts. An American Society for Clinical Nutrition study found that women ages 40 to 75 who consumed more vitamin C, an antioxidant, had fewer wrinkles.

Use exfoliate creams to remove dead skin cells. Prescription creams including Avita, Avage, Renova and Retin-A have been shown to reduce wrinkles and age spots caused by sun exposure.

•  Repairing: Lasers can resurface facial skin by stripping away the outermost layers. Some "non-ablative" lasers also stimulate collagen formation, which helps smooth wrinkles.

"I use RESET® Laser Skin Resurfacing, which reverses the damage and removes many pre-cancers and even active skin cancers," Scheiner says. "RESET uses an advanced Dual Pulsed Erbium Laser, and my proprietary healing protocol. "

The RESET® treatment Dr. Scheiner has vaporizes the old skin and causes the collagen in the underlying layers to tighten.

The No. 1 best thing you can do for your skin starting today is to start making application of a broad spectrum, UVB/UVA sunscreen part of your daily routine.

"Apply it to all areas of the skin that can be directly exposed to the sun," he says. "The best scenario is preventing sun damage in the first place."

About Dr. Adam J. Scheiner

Adam J. Scheiner, M.D. is world-renowned in laser eyelid and facial plastic surgery for his groundbreaking treatment for Festoons. The Tampa-based oculoplastic surgeon wrote the medical text on the condition and shared his treatment  for Festoons on Dr. Oz and The Doctors TV shows. Dr. Scheiner is author of the new book, The True Definition of Beauty.

Physician Shares Tips for Giving Your Body What It Needs
to Fight Illness

It's a sad statistical fact: The holidays, from Christmas to New Year's, are a treacherous time when it comes to our health.

"There's a spike in heart attacks and other cardiac issues," says Dr. John Young, a physician specializing in the treatment of chronic illnesses through biochemical, physiological and nutraceutical technologies, and the author of "Beyond Treatment: Discover how to build a cellular foundation to achieve optimal health," www.YoungHealth.com.

"The incidence of pneumonia cases spikes - in both cold and warm climates. And deaths from natural causes spike. In fact, more people die of natural causes on Christmas Day than any other day of the year!"

While those numbers are well-documented, the cause(s) are not.

"Stress plays a role, particularly if your immune system is weakened," Dr. Young says. "If you look at how most of us eat from Halloween through New Year's, it's easy to see how the immune system takes a beating and otherwise healthy people become more susceptible to illness during the holidays."

It's basic biochemistry, he says.

"We eat a lot more refined sugar, for instance, which is a carbohydrate that's been stripped of all the vitamins, minerals and proteins that make up a complete carbohydrate," he says. "Our bodies can't use that, so the cells in our digestive organs work overtime, burning up a lot of energy, vitamins and minerals to digest it, and they get nothing back. So, eventually, they grow weak."

So - can we have a little sugar, and good health, too? Dr. Young says we can.

"The occasional slice of pumpkin pie is fine as long as you're also feeding your cells with the nutrients they need - the minerals, vitamins, good quality protein, amino acids, essential fatty acids - to stay healthy."
He offers these tips for staying healthy through the holidays and throughout the year.

•  Get your vitamin D!
Vitamin D is actually a hormone, not a vitamin, and one of our best sources for it is sunshine. Unfortunately, many people work indoors all day, so they get little sun exposure. When they do go outside, they wear long sleeves and sunblock to protect against skin cancer. And, of course, in the wintertime, people in cold climes tend to stay inside. As a result, many of us are vitamin D deficient, and should be taking supplements.

"Vitamin D is crucial to many physiological systems, including our immune defenses," Dr. Young says. "It helps fight bacterial and viral infections, including the flu. It supports our cardiovascular system; optimal vitamin D levels can reduce hypertension, heart attacks and stroke.

"If I feel I'm coming down with a cold, I'll take 40,000 units of vitamin D at bedtime," he says. "The next morning, I usually feel like a new person."

•  Eat your protein - 1 gram for every 2.2 pounds of body weight daily.
In this country, we think a healthy diet means eating a lot of fruits and vegetables. We've forgotten protein, Dr. Young says.

"Our immune system is made up of proteins - our bones are 40 percent protein," he says. "We need protein."

When calculating your protein intake, consider: an egg has about 8 grams, and 8 ounces of fish, chicken, beef or pork have about 30 grams.

Dr. Young does not give any of his patients more than 100 grams of protein a day.

•  Get a good night's sleep, exercise, and manage your stress.
Yup, some doctors' orders never change. Rest, exercise and finding effective, healthy ways to cope with stress are simple ways to pamper your cells.

"One of the many cellular benefits of exercise is that it increases the oxygen in our bloodstream. Every cell in our body requires oxygen, so consider exercise another means of feeding your cells."

It's also important to manage stress during the holidays. With unchecked stress, our body releases large amounts of cortisol which, among other things, suppresses the immune system.

"Take time out to meditate, listen to music, or take a walk in the woods," Dr. Young says. "It feels good - and it's good for you!"

About John Young, M.D.

Dr. John Young, (www.YoungHealth.com), is a medical doctor with more than 15 years' experience working in emergency rooms and pediatric burn units. He's the medical director of Young Foundational Health Center, specializing in treating patients with chronic diseases such as diabetes by addressing the physiological issues and not just the symptoms. He's also medical director of Young Health Products, which incorporate the latest biochemical, physiological and Nobel Prize-winning protocols for optimal cellular nutrition. Dr. Young is the author of "Beyond Treatment." He takes questions via a call-in conference call every Tuesday at 8:30 p.m. Eastern time. Call (760) 569-7676, access code 772967.

Philanthropist Says Money CAN Buy Happiness - But Only When You Give It Away

Many Americans are choosing to hold onto their money these days, a lesson learned from the 2008-09 financial crash.

It's good to have savings - but not to the point of hoarding, says entrepreneur and philanthropist Tim McCarthy, author of "Empty Abundance," (mindfulgiving.org).

Americans are saving at a rate of 5.30 percent, well above the record low of 0.80 percent in 2005, according to the U.S. Bureau of Economic Analysis.

The world's billionaires are holding an average of $600 million each in cash, which is more than the gross domestic product of Dominica, according to the new Billionaire Census from Wealth-X and UBS. That's up from $60 million the previous year, signaling that the very wealthy are keeping their money on the sidelines and waiting for an optimal investment time.

"All of us could invest part of our 'fortune,' great or small, on something that gives back on a deeper human level, such as non-predatory loans to individuals from impoverished communities,"

McCarthy diverts all of his business profits annually to his foundation, The Business of Good, which invests in socially conscious businesses and scalable nonprofit concepts.

He reviews what everyone has to gain from mindful giving.

•  Money buys you happiness - up to $75,000 worth. Life satisfaction rises with income, but everyday happiness - another measure of well-being - changes little once a person earns $75,000 per year, according to a 2010 Princeton study. Another widely published survey by psychologist Roy Baumeister suggested that "happiness, or immediate fulfillment, is largely irrelevant to meaningfulness." In other words, so many who finally achieve financial excess are unfulfilled by the rewards that come with that.

•  Remember the wealth disconnection to overall fulfillment. A Gallup survey conducted in 132 countries found that people in wealthy countries rate themselves higher in happiness than those in poor countries. However, 95 percent of those surveyed in poverty-stricken countries such as Ethiopia, Kyrgyzstan and Sierra Leone reported leading meaningful lives, while less than 60 percent reported the same in wealthier countries.

"While more investigation to wealth, happiness and well-being is certainly in order, I think it's clear that while money is important, it cannot buy purpose, significance or overall satisfaction," McCarthy says.

•  Giving money reliably equals happy money. Two behavioral scientists, Elizabeth Dunn and Michael Norton, explore in their recent book, "Happy Money: The Science of Smarter Spending," what makes people engage in "prosocial behavior" - including charitable contributions, buying gifts and volunteering time. According to Dunn and Norton, recent research on happiness indicates that the most satisfying way of using money is to invest in others.

In 2010, multi-billionaires Warren Buffet and Bill and Melinda Gates co-founded The Giving Pledge, a long-term charitable effort that asks the wealthiest among us to commit to giving more than half of their fortunes to philanthropy. Among the first to join, Michael R. Bloomberg wrote in his pledge letter: "If you want to do something for your children and show how much you love them, the single best thing - by far - is to support organizations that will create a better world for them and their children."  To date, 115 of our country's 495 billionaires have pledged.

•  Anhedonia, amnesia and the fallacy of consumption. Anhedonia is the inability to enjoy activities that are typically found pleasurable.

"After making my wealth, I found that I suffered from anhedonia," McCarthy says. "Mindful giving - intelligent and conscious giving to those who need it - turned out to be my best therapy."

Everybody has experienced the limits of consumption, the economic law of diminishing returns. One cookie is nice and so, too, is your first $1 million. But at some point, your ability to enjoy eating cookies or earning millions diminishes more with each successive one.

"Everyone learns this lesson, yet the horror is that so many of us succeed in forgetting it," McCarthy says. "I think that, in every moment, we need to remind ourselves that continually reaching for the next 'cookie' is not in our best interest."

About Tim McCarthy

Tim McCarthy's first business, WorkPlace Media, eventually built a permissioned database of 700,000 gatekeepers who reach more than 70 million employees with incentives for clients such as Coca-Cola, Lenscrafters and McDonalds. He sold the company in 2007 and recently bought it back. In 2003, he partnered with his son, Tim Patrick McCarthy, to open Raising Cane's of Ohio, which had 13 stores with over $30 million in revenue in 2013. McCarthy, author of "Empty Abundance," (mindfulgiving.org), earned his bachelor's in political science and MBA from Ohio State University. In 2008, he received the Fisher Alumnae Community Service Award and was named an Ernst and Young Entrepreneur of the Year.

Stuck on the Same Old Starter Wines? Aficionado Shares Advice for a Maturing Palate

There's nothing wrong with liking what you like, but you can't discover new favorites unless you try new things, says wine enthusiast Howard Kleinfeld.

While recovering from throat cancer, Kleinfeld, an award-winning commercial music producer, lost his sense of taste for a few years. When it came back, he decided to embrace some of the finest tastes life had to offer and has since traveled the world to satisfy his obsession with wine.

"I became someone who decided to say 'yes' to many of the things I used to say 'no' to, which has enriched my life tremendously with adventure," says Kleinfeld, author (as Howard K) of "Dial M for Merlot," www.DialMForMerlot.com, a lighthearted novel imbued with its character's passion for wine.

"But you don't have to book a trip to Napa or the Bordeaux region of France. You just have to be willing to try a new type of wine."

Wine has grown increasingly popular in America in recent decades. The preference of just one in four in 1992, it's now the alcoholic beverage of choice for 35 percent of us, which is just one percent less than beer, according to a 2013 Gallup poll.

"With all the holiday parties and family gatherings, it's a great time of year to expand one's 'Wine-Q'," says Kleinfeld, who offers the following suggestions.

•  If you like white zinfandel, consider a Riesling.
White zin is the "Kool-Aid of wine." It can be a good introduction to the wonderful world of wine because it's sweet, and everybody likes sugar. But there are a number of wines at many price points that are also sweet and carry a much more interesting profile -- a fuller body, honey and pear or apple notes and much more. Riesling and Gewürztraminer wines are a great place to start.

Fun fact: red zinfandel hails from the same grape as white zinfandel, except the red variety includes the grape's skin - white does not. The skin gives the wine a more robust flavor and color than its popular cousin, deep, rich and full of zest. It's quite different from white zin, but worth investigating with a curious palate.

•  If your go-to white wine is strictly Chardonnay, try a bottle of white from the Côtes du Rhône or a sauvignon blanc from just about anywhere.
Wine can be confusing because varieties may refer to a grape, a region or both. Chardonnay refers to a specific green-skinned grape and is grown all over the world, most notably in Burgundy, France. Côtes du Rhône is from the region of France of the same name and is usually made from a blend of grapes, none of which, by the way, are chardonnay.

Chardonnay is very popular and, it is said, a rite-of-passage grape for wineries. While Chardonnay is a relatively straightforward selection, Côtes du Rhône offers white and red varieties that will be fun crowd-pleasers at parties, and it's inexpensive. An export grape from the region is Syrah, remarkable for its now-global prevalence, from Washington state to South America to South Africa to Australia, where it's called Shiraz. For something completely different and light, try sauvignon blanc, which can be herbal and tart , with good acidity and complexity.

"Sauvignon blanc can be like drinking passion fruit - not quite orange, cherry or lemon - just passion fruit," he says. "I'll never forget one time I had it with tuna sashimi. It was such a perfect pairing...These are the things that make life great

•  If you like Moscato before dinner, try Sauternes or port wine with dessert.
Again, sweet wines are popular, but Sauternes from the region of Bordeaux with the same name, has a distinct flavor because of a unique geographical attribute. Sauternes is made from Sémillon, Sauvignon blanc, and Muscadelle grapes that have been affected by a fungus that usually causes souring. But, thanks to the weather in the Sauternes region, the fungus instead adds sweetness and complexity to wine. Varieties range from very sweet to dry as a bone. Port, Portuguese fortified wine, and Sauternes are amazing with nuts, blue cheese and foie gras, or goose liver pâté, slathered on baguette, Kleinfeld says.

•  If you think it's time to outgrow merlot ... try another merlot.
Ever since the movie "Sideways," merlot has gotten a bad rap. Yes, some varieties can be fruit bombs (and there's nothing wrong with that!), but others are deep, rich and structured. On a wide range of levels, merlot can provide  a nuanced and rewarding experience.

"Don't be afraid to drink merlot just because you may have heard it's not hip," says Kleinfeld. "It can stand on its own and is also a big-time blending grape in some of the world's most famous wines. It's the king of the 'right bank' region of Bordeaux."

About Howard Kleinfeld (Howard K)

Howard Kleinfeld is a full-time wine enthusiast, part-time foodie, and first-time author. His new novel, "Dial M for Merlot," www.DialMForMerlot.com, written under the pen name Howard K, follows a 30-year-old math whiz's intoxicating journey of wine discovery. Kleinfeld is a longtime singer-songwriter whose compositions/productions for advertising, TV shows and indie films have earned him Emmy, Telly and Addy awards.

Cardiologist, Best-Selling Author Shares
2 Grain-Free Recipes

At a time when we most want to look and feel our best, we seem to do everything possible to ensure we don't, says cardiologist Dr. William Davis.

"The weather starts to change and we reach for the pumpkin-spice cookies, cider doughnuts and beer, which launches us into processed carbohydrates season," says Dr. Davis, author of "Wheat Belly Total Health," (www.wheatbellyblog.com), the latest in his bestselling "Wheat Belly" series.

"They make us tired and sluggish when we especially need energy as we prepare for all the fun stuff and preparation that lead up to Thanksgiving, Christmas and Hannukah, and they cause us to gain weight, which we immediately pledge to shed come New Year's."

People have been taught that the refined, processed carbohydrates in foods like white rice, white bread and traditionally baked goods are "bad carbs." We're told we'll be healthier, happier and slimmer if we get stick to the "good carbs" in fruits, nuts and whole grains.

Not true, Dr. Davis says - at least in the case of grains.

"Grasses and grains like wheat are a great food source for goats, cows and the like," he says. "But humans have a different digestive process and different nutritional needs. Grasses are not only responsible for unwanted weight gain, but also more serious conditions, including Crohn's disease and other autoimmune and inflammatory conditions. We just weren't meant to eat them."

That doesn't mean you have to do without your favorite treats during the holidays. Just make them a different way.

He offers these recipes:

•  Pumpkin Spice Muffins (makes 12):
2 cups ground almonds
1 cup chopped walnuts
1/4 cup ground golden flaxseed
Sweetener such as Truvia or stevia extract equivalent to 3/4 cup sucrose
2 teaspoons ground cinnamon
1 teaspoon ground allspice
1 teaspoon grated nutmeg
1 teaspoon baking powder
Dash of fine sea salt
1 can (15 ounces) unsweetened pumpkin puree
1/2 cup sour cream or canned coconut milk
2 large eggs
1/4 cup walnut oil
melted coconut oil or extra-light olive oil.

Preheat the oven to 325 degrees F. Grease a 12-cup muffin tin. Stir together the almond meal, walnuts, flaxseed, sweetener, cinnamon, allspice, nutmeg, baking powder, and salt in a large bowl. Stir together the pumpkin, sour cream or coconut milk, eggs, and oil in another large bowl. Stir the pumpkin mixture into the almond meal mixture and mix thoroughly. Spoon the batter into the muffin cups, filling them about half full. Bake until a toothpick inserted in a muffin comes out dry, about 45 minutes. Cool the muffins in the pans 10 to 15 minutes, then turn out onto a rack to cool completely.

•  Wheat-free Cauliflower Mushroom Dressing:
1 ounce dried porcini mushrooms
1 pound loose ground pork sausage
3 tablespoons olive oil, divided
2 stalks celery, chopped
1 medium onion, diced
1 head cauliflower
1 green pepper, chopped
4-ounce can/jar roasted red peppers
8 ounces Portabella mushrooms, sliced
2 tablespoons ground golden flaxseed
1 teaspoon onion powder
1 teaspoon ground sage
1 teaspoon ground thyme
1 teaspoon ground tarragon
Sea salt and freshly ground black pepper.

Preheat oven to 350 degrees F. Bring approximately 12 ounces water to a boil in sauce pan. Toss in porcini mushrooms and turn heat down to maintain below boiling. Stir every couple of minutes for 20 minutes. In deep sauce pan, sauté sausage in 1 tablespoon olive oil, along with celery and onions, until sausage is cooked. Drain excess oil. Place saucepan back on low heat. Break cauliflower into small florets and add to sausage mix. Toss in drained porcini mushrooms along with approximately 4 ounces of the porcini broth, remainder of olive oil, green pepper, roasted red peppers, Portabella mushrooms and flaxseed. Add onion powder, sage, thyme, tarragon, salt and black pepper and stir. Transfer to baking dish and place in oven. Bake for 45 minutes.

About Dr. William Davis

William Davis, MD is a cardiologist and author of several books that have sold more than 2 million copies, including the No.1 New York Times bestseller "Wheat Belly." He has appeared on major national media including the Dr. Oz Show, CBS This Morning, National Public Radio, and Live! with Kelly.. Davis has built a substantial online presence on his Wheat Belly Blog, (www.wheatbellyblog.com), with more than 300,000 visits per month. He is a graduate of the St. Louis University School of Medicine, with training in internal medicine and cardiovascular disease at the Ohio State University Hospitals. A Case Western Reserve University Hospitals, he served as Director of the Cardiovascular Fellowship and Assistant Professor of Medicine.

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."

CEOs Must be Aware of How They're Using Key People, Says Sought-After Speaker

It's a simple fact of business: Without sales, no one else downstream can do their jobs, says veteran sales manager and business speaker Jack Daly. Because of how vital sales are to a company, CEOs frequently tend to misuse their best people, he says.

"There are three sins that minimize the sales management role, which ultimately holds the company back from achieving its growth," says Daly, author of "Hyper Sales Growth," (www.jackdaly.net).

"When they misallocate key players, small to medium-sized businesses tend to go into one of two directions. They either stay small to medium, or they go out of business. When you ask why, it most often comes down to a violation of one or more of these three sins of sales management. Having the right people in important spots is absolutely the secret to success."

To ensure continued growth, Daly says the people at the top must avoid the following:

Sin No. 1 ... is committed when the CEO or owner wears the hat of the sales manager. If you are doing that, you're essentially relegating both the CEO job and the sales manager job to part-time status. In effect, you're saying, "I'm going to grow my business part time." If you want your business to grow, you must grow your sales force, and you need someone doing that full time.

Sin No. 2 ... is to make the best salesperson the sales manager. It can work, but seldom does. The usual scenario, however, is you lose your best salesperson and get a mediocre sales manager. The role and the responsibilities are entirely different. A salesperson's role is to win new customers and nurture the ones you have, thereby differentiating you from your competitors. The sales manager's job involves recruiting, training, coaching, building and developing. Being effective at one of those jobs is not an indicator that a person will be equally effective in the other. Salespeople are used to immediate gratification, involving a deal-to-deal routine. Sales managers, by contrast, must take their time to recruit, train and coach. A salesperson might easily become disenchanted with the pace of the new role and look for another sales job, perhaps with your competitor.

Sin No. 3 ... is probably the most grievous of all. The best salesperson is made a sales manager, but he or she is also required to continue booking business. It's absolutely ruinous. The person's focus will remain fixed on the customer, as that is how their compensation is driven. Accordingly, the sales team will be underserved, missing the opportunity for leveraged growth.

The key to growth is to put the right people in the right places, Daly says.
"Since sales drive business, it's essential to match skills and personality types to the jobs, and to ensure the people can focus on their roles," Daly says.

About Jack Daly

Jack Daly, author of "Hyper Sales Growth," (www.jackdaly.net), is an experienced and inspirational sales trainer and sales coaching expert who, as a sought-after speaker, motivates audiences to take action in the areas of sales planning and training, and customer loyalty. Daly draws upon more than 20 years of business experience, with several successful stints as the CEO of fast-growing companies. He has a Bachelor's in Science degree in accounting, a Master of Business Administration degree, was a Captain in U.S. Army and is an accomplished author with audio and DVD programs.

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