You've heard the expressions: "He lost his nerve;" "He doesn't have the stomach for it;" "No guts."

"As it turns out, those expressions are anatomically accurate," says Dr. Stephen Josephs. "The nerve that you lose when you're afraid is the vagus nerve, which runs from the belly to the brain. It transmits messages about whether the world is a safe or dangerous place. What we now know about the functioning of this nerve has direct applications making leaders more effective and all of us happier and more courageous."

Josephs, author of the new book, "Dragons at Work," (www.DragonsAtWork.com), teaches executives how to reliably create states of optimal performance by achieving control of the vagus nerve. When making decisions about resources, leading teams or talking with the board of directors, courage and poise in the face of rapidly changing business environments are essential for a leader.

"Rather than losing your nerve, you can strengthen it. Courage is a skill you can learn and a capacity you can systematically build. The vagus nerve has been linked to everything from digestion issues to stress and depression," he says. "A benefit of inner body balance includes the projection of true poise; authentic confidence from a leader is what can create a business culture that breeds financial success because employees and clients trust the person in charge to make important decisions from a stable perspective."

Using specific techniques from martial arts, meditation and other mind-body disciplines, Dr. Josephs guides executives to build resourcefulness and courage as a habitual response to challenge.

He offers tips for business executives to promote a healthy, vagus nerve-friendly environment:

• When angry or afraid, take a high quality breath: People might tell an agitated person to "take a breath," but it's the quality of the breath that makes all the difference. For someone who has practiced breathing has wired in an automatic relaxation response, one breath immediately begins to calm them. To practice do this when you're not under stress: As you inhale, relax your belly and the muscles of your torso, and soften your muscles on the inhale. On the exhale become still. Widen your peripheral vision - take in more of the room, and rest in a more wide open awareness. At this point, your vagus nerve will be sending you messages that the world is a safe place and your ability to respond intelligently will be greatly enhanced.

• Move forward with a relaxed vagus nerve. Now, in a calmer, more resourceful and masterful state, you can apply a saner perspective to a variety of tasks: connect with employees; complete the agenda; let good ideas emerge from employees, with less pressure from management, so they affirm their own competencies. Acknowledge what's already working well by giving individuals and teams credit. Enjoy your work, knowing that whatever emerges, you can handle it.

• Get over thyself and lighten up: See how much you can accomplish with the least amount of force. And drop self-importance. Remember, unless you're Donald Trump or Miss Piggy and self-aggrandizement is part of your brand identity, it's bad for business. It introduces unnecessary noise into the system and distorts communication. Drop self-importance and you'll hear critical bad news faster, and people will trust that you can handle it.

About Dr. Stephen Josephs

With more than 30 years experience as an executive coach and consultant, Stephen Josephs, Ed. D, helps leaders build vitality and focus to make their companies profitable - and great places to work. His doctorate at the University of Massachusetts focused on Aesthetics in Education: how to teach anything through art, music, drama and movement. Josephs is particularly interested in the intersection of business performance, psychology and mind/body disciplines. His new novel, "Dragons at Work," tells the story of a tightly wound executive - a fictionalized case study of coaching that produces fundamental changes in a leader. Josephs has also co-authored "Leadership Agility: Five Levels of Mastery in Anticipating and Initiating Change" (Jossey-Bass, 2006) with Bill Joiner, which shows how certain stages of psychological development affect leadership.

Too many people end up getting less than what's due them from Social Security when they retire because they don't know the rules and the real financial impacts, says independent retirement advisor Gary Marriage, Jr.

"There's a lot of talk about the future of Social Security, but we still have this benefit and if you're 50 or older, you should be planning to make the best use of it," Marriage says.

Marriage, CEO of Nature Coast Financial Advisors (www.naturecoastfinancial.com), which specializes in maximizing retirees' finances, shares important facts to keep in mind as you plan for how Social Security will factor in your retirement:

•  "Can I convince you to wait a few more years?" Many people are understandably eager to retire as early as possible; others fear Social Security retirement benefits will suddenly vanish, so they want to get what they can as quickly as possible - at age 62. But if you're counting on those benefits as part of your income, you should wait until you're eligible for the full amount. That's age 66 if you were born 1943-54, and age 67 if you were born in 1960 and later. If you're in the older group, retiring at 62 cuts your benefits by a quarter; for the younger group it's nearly a third. "Chances are, you'll be better of mentally and physically if you wait anyway," Marriage says. "Many studies show that people live longer and are more vital the longer they remain employed; more importantly."

• The reductions in Social Security add up to a considerable sum. The average retirement benefit in June of this year was 1,222.43, according to the Social Security Administration. People born in the 1943-54 group who are eligible for that amount at age 66 will get just $916.82 a month if they retire at 62. If they live to age 90, that's a total of $308,052.36. By waiting just four years, they'll net an additional $44,007.48. Waiting until age 70 can make you eligible for a bump in benefits - up to 8 percent a year - but there are no increases if you delay longer.

• If divorced, were you married for at least 10 years? Were you married for a decade and aren't currently remarried? You may be eligible to received benefits based on the former spouse's work record. Here are some of the other requisites: you must be age 62 or older, and the former spouse must be entitled to receive his or her own benefits. If the former spouse is eligible for a benefit, but has not yet applied for it, the divorced spouse can still receive a benefit. Additionally, two years must pass after the divorce.

About Gary Marriage

Gary Marriage, Jr. is the founder and CEO of Nature Coast Financial Advisors, which educates retirees on how to protect their assets, increase their income, and reduce their taxes. Marriage is a national speaker, delivering solutions for pre-retirees, business owners and seniors on the areas affecting their retirement and estates. He is an approved member of the National Ethics Bureau, and is featured in "America's Top Hometown Financial Advisors 2011." Marriage is also the founder of Operation Veteran Aid, an advocate for war-time veterans and their families.

Aims to Attract More Foreign Investment to Illinois During Trip to Japan

TOKYO - Governor Pat Quinn today announced that foreign-owned firms have added nearly 80,000 jobs in Illinois since 2009 when the governor took office, and more than 450 new foreign firms have located in the state during that time. The governor aims to build upon recent successes and attract more foreign investment in Illinois during his September 6-10 trip to Japan. Today's economic announcement is part of Governor Quinn's commitment to create jobs and restore economic prosperity to Illinois.

"Our efforts to increase foreign direct investment in Illinois are paying solid dividends," Governor Quinn said. "Illinois' economy is getting a boost from the growing number of foreign companies doing business in the state, including building factories, warehouses, customer service centers and R&D facilities. These jobs have played a major role in fueling Illinois' economic recovery in recent years, and we must continue to build on these efforts in order to create jobs and compete in the global economy."

Foreign direct investment in Illinois includes more than 2,000 firms that employ more than 350,000 people. Japan and the United Kingdom are the top two sources of these investments. The number of people employed by foreign firms in Illinois has increased every year since 2009 and went from 280,419 that year to 359,775 in the third quarter of 2013. Nearly 80,000 jobs have been added between 2009 and 2013 and the tax dollars of more than 450 foreign companies have been added to the state's economy.

Since Governor Quinn took office, individuals employed by the 1,387 Japanese-owned firms in Illinois rose from 42,126 in 2009 to 53,963 in the third quarter of 2013. The top five Japanese companies in Illinois by number of employees include Aioi Insurance Co., Ltd (7,000); Mitsubishi Motors Corp. (3,358); Koito Manufacturing Co., Ltd. (2,800); Kotobuki Realty Co., Ltd. (2,190); and NTN Corp. (1,604).

"The state's transportation infrastructure and business climate are often cited as reasons for the high level of foreign investment in Illinois," Illinois Department of Commerce and Economic Opportunity Director Adam Pollet said. "A central location and ease of access make it easy for executives, managers and consultants from other countries to get in and out of the U.S. We can also help these firms move their goods with our excellent road, rail and water transportation network."

The state's transportation infrastructure benefits from Governor Quinn's $31 billion Illinois Jobs Now! program, which will support more than 439,000 jobs over six years. Illinois Jobs Now! is the largest capital construction program in Illinois history, and is one of the largest capital construction programs in the nation.