With 7 million Americans receiving unemployment benefits, and many counting the years - instead of months - since their layoff, author Darlene Quinn says now is a good time to reinvent yourself.

She cites James Sherk, a senior policy analyst for the Heritage Foundation, who says the jobs people held two or three years ago often simply aren't there anymore.

"People are trying to find jobs similar to what they had previously, when those jobs completely don't exist," he told Reuters recently. "So they will spend a good portion of their period unemployed looking for jobs that they are unlikely to find."

Quinn is a master of personal reinvention. She started her career as a teacher, then became a contractor, developing self-improvement and modeling programs for hospitals and a store. That segued into a position as a top executive at Bullocks Wilshire department store and "retirement" as a freelance journalist.

And now, the 74-year-old is an award-winning novelist. She published her third book, Webs of Fate (www.darlenequinn.net), this fall, continuing her series about deceit and intrigue in the high-end retail industry.

She says she was always a story-teller; she just never thought about putting her stories on paper.

"Being a victim of the short-lived educational phenomenon called sight-reading, which did not include phonics, I had always been intimidated by the written word," she said.

"Somehow none of my teachers appreciated my creativity when it came to spelling.  Therefore, my creative writing efforts were sprinkled with so many red marks, they appeared to have broken out with the measles."

Maybe, she added, she just needed a great story to tell and a passion to tell it that was stronger than her fear.

Quinn became a schoolteacher after earning a bachelor's at San Jose State University. Much later in life, while working as a department store executive during a time of tremendous upheaval in the retail fashion industry, she found her story. But before she tried to tell it, she first sharpened her wit and her pen by writing articles for trade journals, magazines and newspapers.

That led to her being drafted by actor Buddy Ebsen to help him with his first novel, a love story called Kelly's Quest. Ebsen was working on a second, a mystery based on his popular TV persona detective Barnaby Jones, when he died in 2003. His widow asked Quinn to finish the book, Sizzling Cold Case, which was published in 2006.

By now, Quinn was ready for her own tale.

"I felt compelled to tell the story of our vanishing department stores," she said. "Instead of writing a dour tell-all about the business, I decided to chronicle my experiences in one of my fictional worlds and I filled that landscape with the realistic and dynamic characters that inhabited my daily life.

"The age of computers with spell-checking software helped me get over my fear of a red-inked manuscript."

By 2008, Quinn had finished her story of intrigue in the retail fashion business. Webs of Power won a 2009 National Indie Excellence Award the following year.  Twisted Webs followed in 2010.

"One thing I've learned in my life is that things change," Quinn said. "People change and, sometimes, their dreams have to change with them.

"To be releasing my third novel at age 74 is the fulfillment of a dream I never knew I had. Until now."

About Darlene Quinn

Darlene Quinn is an author and journalist from Long Beach, Calif., whose novels about deceit, intrigue and glamour in the retail fashion industry were inspired by her years with Bullocks Wilshire Specialty department stores. Her newest, Webs of Fate, won the 2011 Reader's Favorites Award before it hit the bookshelves. It provides the back story for the characters in the first two novels in the series: Webs of Power, winner of a 2009 National Indie Excellence Award, and Twisted Webs, winner of 2011 International Book Award for General Fiction and the 011 National Indie Excellence Awards for General Fiction.

DES MOINES, IA (02/07/2012)(readMedia)-- State Treasurer Michael L. Fitzgerald is looking to reunite owners this Valentine's Day with their lost and forgotten cherished treasures. The Great Iowa Treasure Hunt database contains names of more than one million accounts from individuals all over the state that have lost track of some money or treasure. "In addition to money, we have an assortment of sentimental items waiting to be reclaimed. These include safe deposit box contents such as pictures of soldiers' wives they had with them while overseas, engagement rings, lockets, cards and love letters," Fitzgerald said. "Some of these items may have been tokens of affection given from one of your family members on a past Valentine's Day."

Treasurer Fitzgerald encourages all Iowans to check the website for forgotten treasure. "Check regularly, check often and check for your friends and family," Fitzgerald advises. New property is uploaded every year, so even if you have claimed property in the past, there is a chance your name could reappear. "We want to return people's money," he stated. "That's our number one priority."

The Great Iowa Treasure Hunt program has returned over $143 million to more than 359,000 individuals since Fitzgerald started it in 1983. Companies and financial institutions in Iowa and from across the nation report millions of dollars in unclaimed property to the State Treasurer each year. Common examples of unclaimed property include money in forgotten savings/checking accounts, uncashed insurance benefit and payroll checks, IRA funds, lost stock and dividends, abandoned safe deposit box contents, gift cards, utility refunds or deposits.

Treasure seekers are encouraged to visit www.greatiowatreasurehunt.com and check to see if they have unclaimed assets waiting for them. Individuals may also send an email to foundit@iowa.gov. For those who prefer corresponding by mail, please write to State Treasurer Michael L. Fitzgerald, Great Iowa Treasure Hunt, Lucas State Office Building, Des Moines, IA 50319. Please make sure to provide current name, previous names and addresses.

 

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

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

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

House offers these tips:

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

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

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

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

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

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

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

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

About Toni House

Toni House has a bachelor's in accounting and a master's in business administration and was most recently the senior consultant and owner of an accounting firm. How to Reduce Your Grocery Bill is her second "Savvy Shopping" book. Her first was Save Your Money, Save Your Family. Find her money-saving blog tips at www.saveyourmoneysaveyourfamily.com.
Monday, February 6, 2012

Here is information about Senator Grassley's schedule this week in Washington.  The Senate is in session.

·         Senator Grassley will meet during the week with Iowans from Iowa City, Coralville and North Liberty, the Iowa Association of School Boards, the National Child Support Enforcement Association, the National Federation of the Blind of Iowa, Job Corps, the National Association of State Departments of Agriculture, the American Wind Energy Association, the National Association of FSA County Office Employees, the University of Iowa and the Iowa State University Colleges of Engineering, Habitat for Humanity, and the Iowa State Education Association.

·         Senator Grassley will meet with an Iowa family visiting Washington from New Hampton.

·         Senator Grassley will be a guest on public affairs programs hosted by Cindy Kohlmann on KDTH Radio in Dubuque, Scott Voorhees on KFAB Radio in Omaha, and Mike Savage on KBUR Radio in Burlington.  He also will be a guest on AgriTalk, an agriculture-focused public affairs program that airs live on 13 radio stations in Iowa.

·         On Monday, February 6, at 3:30 p.m. (ET), Senator Grassley will meet with community leaders and city officials traveling to Washington with the Iowa City, Coralville and North Liberty Chamber of Commerce to discuss economic development initiatives and other public policy matters.

·         On Tuesday, February 7, at 10 a.m. (ET), there is a Budget Committee hearing on the outlook for U.S. monetary and fiscal policy.  Federal Reserve Chairman Ben Bernanke will testify.  Senator Grassley is a senior member of the committee.

·         On Tuesday, February 7, at 3 p.m. (ET), Senator Grassley will participate in a business meeting of the Senate Finance Committee on the Highway Investment, Job Creation and Economic Growth Act of 2012.

·         On Tuesday, February 7, at 4:30 p.m. (ET), Senator Grassley will meet with Major General Timothy Orr of the Iowa National Guard regarding the Iowa impact of the Air Force budget reduction recommendations announced Friday, which would retire the 21 F-16 fighter aircraft assigned to the 124th Fighter Squadron, Iowa Air National Guard in Des Moines.  Senator Grassley has expressed concerns about the Air Force strategy of targeting the Guard for cuts, as the Guard is more cost effective for missions such as a fighter squadron than Active Duty, and Guard pilots tend to be more experienced since they stay in the service over a long period of time.  On Thursday, February 9, at 1:30 p.m., Senator Grassley will host a meeting for the Iowa congressional delegation with Secretary of the Air Force Michael Donley to discuss the recommendations.

·         On Wednesday, February 8, at 12:30 p.m. (ET), Senator Grassley will speak at a Capitol Hill event of the Community Anti-Drug Coalitions of America.  CADCA is the leading national drug abuse prevention organization representing more than 5,000 community anti-drug coalitions in the country and focusing on local, targeted solutions to prevent drug abuse.  Senator Grassley founded the FIT Coalition in Iowa more than 15 years ago.  FIT stands for Face It Together.  The organization, today part of the Iowa Drug-Free Partnership, networks employers, schools, parents and community-based organizations to help address local substance abuse problems.

·         On Thursday, February 9, at 10 a.m. (ET), Senator Grassley will participate in the weekly business meeting of the Senate Judiciary Committee.  The committee is scheduled to take action on legislation sponsored by Senators Grassley, Dick Durbin of Illinois, Amy Klobuchar of Minnesota, John Cornyn of Texas, Richard Blumenthal of Connecticut, and Chuck Schumer of New York.  Senator Grassley's bill, S.1945, would permit the broadcast and televising of Supreme Court proceedings.  It builds on sunshine legislation Senator Grassley has sponsored for more than 10 years to grant federal judges the authority to allow cameras in other federal courtrooms.  Over the years, Senator Grassley has successfully pressed the Supreme Court to release audio recordings of its proceedings.  The court did so in 2000 in the Bush v. Gore case, and last year the court began releasing audio at the end of each week.  In 1947, the Supreme Court said that what transpires in the courtroom is public property.  In Iowa, there has been broadcast coverage of state-level courts for more than 30 years, including online archived streams in recent years.  The federal-level Southern District Court in Iowa is part of a three-year pilot program to evaluate the impact of cameras in courtrooms.

Increase to Earned Income Credit and Personal Exemption
to Help Working Families and Stimulate Local Economies

CHICAGO - February 4, 2012. As families across Illinois prepare their taxes this season, Governor Pat Quinn today visited a tax assistance center organized by the Center for Economic Progress at Truman College to encourage working families across Illinois to learn about tax relief passed by the Governor earlier this year and how to apply for the Illinois Earned Income Tax Credit. The law doubles the state's Earned Income Tax Credit (EITC) over two years, saving low-income workers an extra $105 million per year. The new law also benefits all Illinois taxpayers by raising the value of the personal exemption and indexing it to inflation.

"Illinois took a step forward this year in helping working families keep more of what they earn," Governor Quinn said. "We must get the word out to our friends, family and neighbors about who is eligible and how to apply for this tax relief that will help every day people and grow our economy."

To benefit from Illinois' EITC, also known as the Earned Income Credit (EIC), taxpayers must include it on their tax returns. While more than 2.5 million state residents benefited from the Illinois EITC in 2010, many people who are eligible for EITC don't file for it. The not-for-profit Center for Economic Progress (CEP) estimates that between 10 and 20 percent of eligible taxpayers did not file for EITC last year.

To help working families achieve the maximum savings on their taxes, the Illinois Department of Human Services (DHS) partners with the CEP Tax Counseling Project to provide free tax preparation assistance at tax assistance centers across the state. The services are provided free of charge to families making less than $50,000 annually and to individuals with yearly incomes under $25,000. More than 28,000 Illinois taxpayers filed returns through the program in the 2010 tax season, with more than $50 million in state and federal tax refunds returned to clients.

DHS also funds the Tax Assistance Program (TAP), which recruits tax professionals to volunteer to assist low-income families in 23 locations in Chicago and the suburbs. DHS also works with its clients and those who found jobs and have left DHS programs to educate them about tax preparation programs and ways to ensure they receive the maximum refund on their tax returns.

For more information on the Tax Counseling Project, contact the Center for Economic Progress in Chicago at 312-630-0273, or its toll-free statewide number 888-827-8511 or its website www.economicprogress.org. For information on the Tax Assistance Program call 312-409-1555 or 312-409-4318 (Spanish). Details are also available on the IDHS website at www.dhs.state.il.us and the Department of Revenue website at www.revenue.state.il.us. Information about filing federal taxes online can be found at www.irs.gov.

About the New Illinois EITC Law:

The new law marked the largest increase in Illinois' EITC since its inception in 2000, by phasing in a 5 percent increase over two years. The law boosts the state's EITC from its current level at 5 percent of federal EITC, to 7.5 percent in tax year 2012 and 10 percent of federal EITC in tax year 2013. More than 2.5 million state residents benefited from the Illinois EITC in 2010.

Under the new law, a single mother with one child, earning minimum wage ($12,800 a year), will save $154 on her taxes. A married couple with three children earning $30,000 a year will save $199 on their taxes this year.

Uniquely pro-growth and pro-family, the EITC is available only to those with earned income and provides incentive to work as well as much-needed tax relief to the lowest-income families. EITC also boosts local economies through increased consumer demand. A 2006 Brookings Institution study found that every dollar a family saves through this tax credit translates into $1.58 of activity in local economies.

The law also improves the value of the standard personal exemption for all taxpayers in Illinois and ties its continued growth to the rate of inflation. The personal exemption will increase by $50 (to $2,050) in tax year 2012, and the value of the exemption will be indexed to the cost of living adjustment each tax year thereafter. The personal exemption change benefits all taxpayers, regardless of income.

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SPRINGFIELD, IL (02/04/2012)(readMedia)-- As servicemembers start to receive their W2's in the mail, now is the time to prepare to file your 2011 tax returns and learn what opportunities are available for military members.

"There are many programs at the state and federal levels providing tax credits for members of our military in recognition of their sacrifices for the nation," said Lt. Col. Tammy Duckworth of Hoffman Estates, Deputy of Human Resources for the Illinois Army National Guard. "It is important that our troops are aware of these benefits and not leave any money on the table when those dollars can be helpful to our families and employers."

If a servicemember is eligible under the Military OneSource program, he/she can complete, save and file their 2011 federal taxes and up to three state tax returns online for free with the H&R Block At Home® tool. To access this free service, use the Military OneSource H&R Block At Home® link. The first step is to log in to Military OneSource (new users will need to create a Military OneSource account). From there, users will be directed to a page with additional information on tax preparation, including a link to the Military OneSource H&R Block At Home® service.

In addition to filing taxes for free, servicemembers can get support from trained tax consultants through Military OneSource. Servicemembers and families can call 1-800-342-9647 and ask to speak with a Military OneSource tax consultant seven days a week from 7 a.m. to 11 p.m.

Federal tax benefits for hiring many veterans are available to business owners in any state. The federal benefits are available under the Work Opportunity Tax Credit (WOTC) Program. There is up to a $2,400 credit if there is:

• a veteran who is a member of a family that has received food stamps for at least three consecutive months in the 15 months prior to the date of hire

• a person with disability who is participating in a vocational rehabilitation program through U.S. Veteran's Administration

There is also a WOTC credit of up to $4,800 for veterans entitled to compensation for a service-connected disability who:

• were hired within one year of having been discharged, or released from activity duty

• has been unemployed for any six of the last 12 months

Employers hiring multiple WOTC qualified employees can make a significant dent in their federal income taxes. These benefits are explained and claimed on IRS Form 5884.

Currently, 26 states offer partial or total exclusions, from state-level taxes for combat and/or other military compensation paid to servicemembers. There are five states offering outright tax exemption for military pay, including Illinois.

Combat pay received by members of the military serving in Afghanistan, Iraq and other combat zone localities is usually exempt from tax. But under a special rule, servicemembers can choose to count all of this income when he/she figures the Earned Income Tax Credit. In many cases, making this choice will enable the servicemember to claim the credit, or if you are already eligible, claim a larger credit.

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Sandra Speer Wins Top Prize of $50,000 Playing "Super Crossword" Scratch Game

 

DES MOINES, Iowa - A Davenport woman said she and her husband were expecting to get a $5,000 check right up until they claimed their prize at an Iowa Lottery regional office.

Sandra Speer, 58, said she and her husband, Bob, were sure she'd won a $5,000 prize on her "Super Crossword" scratch ticket, but soon learned she'd actually won a top prize of $50,000.

"Until we got up here we thought we won $5,000, so I'm still in shock," Speer said.

Speer said even when she thought it was a $5,000 prize, Bob didn't believe her. She even took the ticket to a local retailer to have it scanned, but still was unable to clearly understand what she'd won.

"Well, she printed up a receipt, but there's no commas, so we thought it was five thousand," Speer said.

Speer said when she claimed her prize Wednesday at the Iowa Lottery's regional office in Cedar Rapids, she could've fallen over when she heard what she'd actually won. She hadn't yet told anyone the news about her big win.

"I don't know who I want to share it with first," she said.

Speer said she plans to use some of her winnings to take a vacation. She purchased her winning ticket at Casey's, 3700 W. Locust St. in Davenport.

Super Crossword is a $5 scratch game. Players win a prize by scratching the "your letters" then scratching the corresponding letters found in Puzzles 1 and 2 and the "bonus word." If players have scratched at least three complete words in Puzzle 1 or 2, they win the corresponding prize shown in the prize legend for that puzzle. If players uncover all six letters in the "bonus word" by scratching the letters that match the "your letters" they win the prize shown in the prize box.

Ten top prizes of $50,000 are still up for grabs in Super Crossword, as well as eight prizes of $5,000, 120 prizes of $500 and more than 865 prizes of $100.

Players can enter eligible non-winning scratch tickets online to earn "Points For Prizes™" points. The point value will be revealed to the player on the website upon successful submission of each eligible valid ticket. There is a limit of 30 ticket entries per day. To participate in Points For Prizes™, a player must register for a free account at ialottery.com. Registration is a one-time process. Merchandise that can be ordered by using points will be listed on the website in the Points For Prizes™ online store. Players can choose from items in categories such as apparel, automotive, jewelry, sporting, tools and more.

Since the lottery's start in 1985, its players have won more than $2.8 billion in prizes while the lottery has raised more than $1.3 billion for the state programs that benefit all Iowans.

Today, lottery proceeds in Iowa have three main purposes: They provide support for veterans, help for a variety of significant projects through the state General Fund, and backing for the Vision Iowa program, which was implemented to create tourism destinations and community attractions in the state and build and repair schools.

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Iowa Supreme Court Opinions

February 3, 2012

Notice: The opinions posted on this site are slip opinions only. Under the Rules of Appellate Procedure a party has a limited number of days to request a rehearing after the filing of an opinion. Also, all slip opinions are subject to modification or correction by the court. Therefore, opinions on this site are not to be considered the final decisions of the court. The official published opinions of the Iowa Supreme Court are those published in the North Western Reporter published by West Group.

Opinions released before April 2006 and available in the archives are posted in Word format. Opinions released after April 2006 are posted to the website in PDF (Portable Document Format).   Note: To open a PDF you must have the free Acrobat Reader installed. PDF format preserves the original appearance of a document without requiring you to possess the software that created that document. For more information about PDF read: Using the Adobe Reader.

For your convenience, the Judicial Branch offers a free e-mail notification service for Supreme Court opinions, Court of Appeals opinions, press releases and orders. To subscribe, click here.

NOTE: Copies of these opinions may be obtained from the Clerk of the Supreme Court, Judicial Branch Building, 1111 East Court Avenue, Des Moines, IA 50319, for a fee of fifty cents per page.

No. 10-1932

MITCHELL COUNTY vs. MATTHEW HOOVER ZIMMERMAN

Alert:  The Senate just passed Sen. Grassley's amendment 60 to 39.  Video of Sen. Grassley's remarks just prior to the vote is available here.

 

EARLIER

Thursday, February 2, 2012

 

Grassley seeks same transparency from political intelligence professionals as lobbyists

 

WASHINGTON - Senator Chuck Grassley today offered an amendment to require political intelligence operatives to register and disclose affiliations in the same way that lobbyists are required to do.

 

"Political intelligence professionals aren't considered lobbyists, so they don't have to disclose that they're seeking information and are paid for it," Grassley said.  "As a result, members of Congress and congressional staff have no way of knowing whether such meetings result in information being sold to firms that trade based on that information.  My amendment would shed sunshine on this kind of political intelligence gathering."

 

According to an October 2011 Wall Street Journal story, political intelligence has become an approximately $100 million industry that employs over 2,000 people in Washington.  Political intelligence professionals seek information from members of Congress and congressional staff and then sell the information they gather to hedge funds and other firms that trade stocks and equities based on the information.

 

Grassley said transparency will help make members of Congress and congressional staff more aware of whether the people they are meeting with are selling information to others who trade on that information.

 

The Iowa senator offered his amendment, #1493, during Senate debate on the STOCK Act, S.2038.  The Stop Trading On Congressional Knowledge bill would clarify that current prohibitions of the Securities and Exchange Commission on insider trading on non-public information extend to members of Congress and congressional staff.  It also would speed disclosure by requiring those who file annual financial disclosure statements to report stock and bond transactions within 30 days of the transaction, among other measures.

 

Here is the text of the floor statement Grassley delivered this afternoon regarding his amendment:

 

Mr. President, I would like to call up amendment #1493 and make that amendment pending.

 

Mr. President, the Wall Street Journal recently reported that political intelligence is an approximately $100 million industry.  The article also says that expert networks employ over 2,000 people in Washington, DC.

 

I say approximately because no one really knows how many people work in this industry, who they seek information from, what happens to that information, and how much they get paid.  This is the problem.

 

You have a growing industry with no transparency.  If a lobbyist has to register in order to advocate for a school or church, shouldn't that same lobbyist have to register if they are seeking and getting inside information to make a profit on?

 

This is especially true if that information would make millions for a hedge fund or a private equity firm.

 

Under current law, this is not the case.

 

My amendment merely brings some sunlight to this area.  It defines what a political intelligence lobbyist is and requires them to register - the same as any other lobbyist.  I understand that some will say that there have not been hearings on this subject and that it should be studied first.  But there isn't much that's complicated about this amendment.

 

If you seek information from Congress in order to make money, the American people have a right to know your name and who you're selling that information to.  That's just basic good government.

 

This amendment isn't just helpful to the American people, it also helps members and staff who are trying to decipher their duties under the STOCK Act.  Senators have raised the question, "How will we know if the people we speak to trade on what we say?"

 

By requiring lobbyists who sell information to stock traders to register, members and staff have an easy way to track who they are and who they sell information to.  This strengthens the bill and helps members and staff comply with its requirements.

 

Mr. President, I hope we can consider this amendment soon and bring light and transparency to this growing industry.  I yield the floor.

 

-30-


We never imagine ourselves as the victims, but sometimes, the things we think could never happen to us find a way of happening.

Too many of us replay in our minds the events that led to those circumstances, but life coach Teri Johnson believes that reviewing the past isn't the answer. What we do next is what matters the most.

"All the things you never thought you'd experience, but did, leave behind lingering after effects that can stop us in our tracks," said Johnson, author of Overcoming the Nevers (www.overcomingthenevers.com). "Shame, guilt, anger and resentment start to sink in. We start to believe lies about ourselves, such as 'I'm not good enough' or 'I'm undeserving.' We escape our pain and these toxic feelings by retreating into unhealthy behaviors and addictions. But there is freedom from the struggle. There is hope in discovering the truth. There is a way to fall in love with who we are to experience a joy-filled life."

Johnson shares a solution to overcome those feelings in a series of 12 simple steps that she feels can be practically applied to our lives - if we are ready to do the work.  Here are five of the these steps...

• Willingness - Freedom starts with willingness. You have to want this for yourself. There is no one who can decide for you, or do the work on your on your behalf. Willingness is readiness.

• Acceptance - Do you have the strength to make the changes necessary to turn a situation around through an attitude of acceptance? Or will you remain powerless, remain in the state of non-acceptance and let everything around you dictate how you feel? I can't change somebody else. Period.

• Surrender - All of us are surrendered to something.  What we surrender ourselves to ultimately becomes our god, what we worship, turn to, or rely upon.  The question is, what are we surrendered to? Is it something firm, solid and long-lasting, or something that can slip away, burn to ashes or be swallowed?

• Courage - We cannot overcome an issue we do not know exists, we need to search. We cannot become who we were created to be, without embracing our strengths and uncovering our God-given gifts and talents. So we need to look through our lives carefully to find the answers. How do we do this? Without fear with courage, boldness and bravery.

• Responsibility - We have a responsibility for ourselves in all areas of our lives in all of our roles. No one can attempt to change us or to control us, unless we give them the power. We need to be the change. Admitting opens this door. Will you walk through it?

"Many people just want a quick fix and aren't willing to put in the work required," she added. "I believe that, in this economy, everyone is experiencing 'nevers' they didn't believe they'd ever encounter. Some are affected by the loss of job, foreclosure or even bankruptcy. People who hold down two or more jobs may find their health diminishing, or even joining the ranks of the millions of Americans who suffer from obesity. Divorce, drugs, addictions, workplace issues - they can all creep up on us if we aren't diligent. The key thing is to understand how to handle those 'nevers' when they occur, and not be daunted. It's never easy, but always worth it."

About Teri Johnson

Teri is a writer, inspirational speaker, and sought-after personal growth expert. Her unique strategies have helped transform the lives of her clients, enlightening, guiding and motivating them to achieve even their most deeply desired goals. Teri is the President and Founder of Keeping It Personal (www.keepingitpersonal.com), a company that specializes in self-development training and discovering your life purpose.

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