Medication Will Mask The Pain, Not Cure The Underlying Problem, Expert Says

TMJ = temporomandibular joint dysfunction

Nearly everyone on occasion experiences a throbbing headache that interferes with concentration at work or school, or saps the joy from the day.

But sometimes the source of that headache can be surprising. For many people, the pain that emanates from the head can be traced back to their teeth, their bite relationship and the alignment of the lower jaw.

"Pain doesn't happen randomly or because of bad luck," says Dr. Fred Abeles, author of the book "Break Away: The New Method for Treating Chronic Headaches, Migraines and TMJ Without Medication" (www.FredAbeles.com).

"There's a cause and effect to almost everything in the human body."

With many headaches, Abeles says, the cause is the temporomandibular joint, or TMJ, the place at the front of the ear where the lower jaw and the temporal bone on the side of the head meet.

Sometimes the bite and the lower jaw are out of alignment, putting additional strain on muscles, which leads to the headaches. And for many, TMJ headaches aren't going away because people try to mask the pain with medication rather than correct the underlying cause, Abeles says.

But how do you know a headache is caused by TMJ? Abeles says these are some of the warning signs.

•  Your jaw clicks or pops. Any joint in your body should work silently and seamlessly, Abeles says. If your jaw clicks or pops when you open or close it, it's a clear sign that the lower half of the joint is not in the proper position. Even if the popping and clicking don't produce pain, he says, the muscles that have to support and stabilize the joint become fatigued and will produce pain.

•  Your bite feels off. The TMJ is the only joint in the human body that has 28 teeth stuck between the opening and closing motion of the joint to complicate things, Abeles says. Every other joint is completely controlled by muscles, and the position of the joint, its movement and range of motion are mediated by muscle.

The TMJ's position is dictated by where our teeth come together in our bite. So if your bite feels off or your teeth don't fit together well, there's a good chance your TMJ joints are off, too.

•  You have pain around your forehead, temples, back of head or radiating down your neck. Ninety percent of pain comes from muscle, Abeles says. If your muscles are not functioning well because of fatigue from supporting one or both of your TMJ joints in an improper position, they produce pain. It's much like when you exercise or work hard and feel muscle pain later, he says. The only difference is that TMJ is more subtle and chronic.

•  You have forward head posture. Our heads are supposed to be centered over our shoulders. If yours is in front of your shoulders when you are upright, you have "forward head posture." That relates to your bite and your airway. The human head weighs about eight to 10 pounds. The farther forward it is off the center axis, the more strain it places on neck muscles and vertebrae.

•  You snore. Snoring is a red flag that respiration during sleep is disturbed, Abeles says. Several factors can lead to snoring, but one of the most important is the position of the lower jaw, he says. If your lower jaw is a little too far back, then the tongue is farther back as well.

"If the tongue is slightly farther back than optimal it vibrates against our soft palate, closes off our airway and we snore," Abeles says. The snoring doesn't cause the headache, he says, but it could be a sign the lower jaw is too far back. As a result, the muscles that support the jaw in an improper position produce the headache pain.

About Dr. Fred Abeles

Dr. Fred Abeles is known as one of the most sought after TMJ experts in the United States (www.FredAbeles.com). He's famous for getting results where all other have failed and getting those results without the use of surgery, needles or drugs. He is author of the new book "Break Away: The New Method for Treating Chronic Headaches, Migraines and TMJ Without Medication." Abeles is the Clinical Instructor and Regional Director for the Las Vegas Institute for Advanced Dental Studies - one of the most prestigious post-graduate teaching centers in the world today. Dr. Abeles has been featured on NBC and CBS, consults with leading dental manufacturers on the development of new dental products, been on the cover of the profession's biggest magazines and instructed dentists throughout the United States and Canada on state-of-the-art techniques for treating headaches and temporomandibular joint dysfunction.

Financial Consultants Say Retirees Can Take Steps To Protect Savings From Vagaries Of The Market

As people creep into the retirement "red zone" - those years just before or right after they retire - it becomes more important than ever that they find ways to keep their savings safe.

Because at that point, their retirement picture will change significantly only if they lose a lot of money, says Chris Bennett, co-founding partner of The Abbott Bennett Group, (www.theabbottbennettgroup.com).

"They are not going to change who they are," Bennett says. "But if they lose a bucket of money, they are not going to go out to eat, they won't travel, they won't be able to leave money to their children and grandchildren. They will end up having to make sacrifices."

In other words, they won't be living the retirement they envisioned all those years they were saving a nest egg.

Having a "safe money" strategy is key to a secure retirement, say Bennett and Michael Abbott, CFO of the firm. It's important to be able to create an income stream that the retiree won't outlive.

There are several areas you and your financial professional can focus on as part of an overall "safe money" strategy, Abbott and Bennett say. Here are two examples:

• Rate of return vs. sequence of return. The average rate of return on an investment can be misleading, they say. That's because in reality how well you hang onto your money depends more on "sequence of return." That is, exactly when do those profits and losses come about?

To see how that might work, imagine a 50 percent loss followed by a 50 percent gain. That would appear to average out to a zero rate of return. But that's not how it would look in your portfolio, Bennett says. If you have $100,000, a 50 percent loss drops it to $50,000. The market rebounds with a 50 percent gain. But a 50 percent gain on $50,000 just increases that investment to $75,000, so you've still taken a loss.

Now consider that kind of activity over the course of your retirement as you are also withdrawing money from your savings to live on. Depending on when market fluctuations happened, you could take major hits. That's especially true if the dips come early in retirement when your savings are at their peak, and the rallies arrive late when there is less left in the account.

"One big downturn and that money could run dry," Bennett says.

Abbott and Bennett say there are tools that a good financial professional uses that can help people reduce the risk created by sequence of return.

• Maneuvering toward tax-free income. "Whatever the tax rates may be in the future, taxes can be a drag on your savings and may adversely impact your retirement security," Abbott says. So it's important to consider the tax implications of how you hold your assets.

Even those Social Security benefits that retirees draw can be taxed, but they don't necessarily have to be, Bennett says. Once again, a financial professional can review strategies that could help reduce or even eliminate the tax on that monthly Social Security benefit.

"It's possible to have tax-free income in retirement," Bennett says. "Talk about being in control. Then you can just enjoy your retirement with your children and your grandchildren."

About Michael Abbott and Christopher Bennett

Michael Abbott has two decades of experience assisting retirees with their 401(k)s and pension plans. He is co-founder of The Abbott Bennett Group, LLC, an independent financial services firm, where he serves as CFO. He is a lifetime member of MDRT (Million Dollar Round Table), an association composed of the world's best financial services professionals, and a member of NAIFA (National Association of Insurance and Financial Advisors). He holds a Master of Estate Preservation designation.

Modifications Help Create A Home Environment That's Safe and Supportive

Not every person struggling with dementia lives in a nursing home or assisted-living facility.

In fact, more than 15 million Americans - usually family members or friends - provide unpaid caregiving to people with Alzheimer's disease and other forms of dementia, according to a 2014 report by the Alzheimer's Association.

Although it's wonderful so many are willing to assume that responsibility, it's also important they take steps to make sure the home is a safe place, says Kerry Mills, co-author with Jennifer Brush of the book "I Care: A Handbook for Care Partners of People With Dementia." (www.engagingalzheimers.com)

Part of that is to focus on potential hazards. The concept is not unlike new parents making a house "childproof." Many of the concerns are similar, such as stairs, electrical sockets, sharp objects and swimming pools.

At the same time, it's easy to go too far, Mills said. Ideally, the environment for the person with dementia should be as unrestricted as possible.

"For example, if your loved one enjoys cooking for a hobby and can safely cut and peel vegetables, then by all means, encourage it," Mills says.
Mills suggests several ways to make a home safer for someone with dementia.

•  For the front and back doors. Use bells on the doors, motion sensors that turn on lights or alerts, or other notifications that make the care partner aware when someone has gone out. Add lamps or motion-activated lighting so people can see where they are going when they are entering or leaving the house.

"Another way to discourage someone from wanting to leave the house is to make sure that he or she gets plenty of outside exercise whenever possible," Mills says.

•  For stairways and hallways. Add reflective tape strips to stair edges to make stairs more visible. Remove obstacles, such as mats and flowerpots, to minimize risks of falls on or by the stairs.

Also, install handrails in hallways and stairways to provide stability, and install a gate on the stairway to prevent falls. Improve the lighting around hallways and stairs by installing more ceiling fixtures or wall sconces.

•  For the bathroom. Install grab bars and a raised toilet seat to help both the individual with dementia and the care partners so they don't have to lift the person on and off the toilet.

Add grab bars inside and outside the tub, and a non-skid surface in the tub to reduce risks of falls. You can also add colored tape on the edge of the tub or shower curb to increase contrast and make the tub edge more visible.

Lower the water temperature or install an anti-scald valve to prevent burns, and remove drain plugs from sinks or tubs to avoid flooding.

•  For the possibility the person becomes lost. Provide your loved one with an identification or GPS bracelet in case he or she wanders. Label clothes with the person's name, and place an identification card in his or her wallet with a description of the person's condition. Notify police and neighbors of the person's dementia and tendency to wander.

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.

Investment Rules Change As You Move Into Retirement, Financial Advisor Says

After a lifetime of deciding out how to get the best return on their investments, people nearing retirement could think they have this money thing figured out.

But they could be mistaken, says financial advisor Dave Lopez, a mathematics and computer science major who applies his analytical mind to solving retirement challenges.

 "When people move into retirement, all the rules change," Lopez says. "What worked for them in their investments during their working years may not work as well when they reach retirement."

It's also important that people have a comprehensive retirement plan that includes income planning, legacy planning, long-term care planning and growth, he says.

"When you are trying to build a retirement plan, you need the right tool for the right job," Lopez says. "Once you identify your goal, then you can fund the tool to get there."

Lopez, founder of ILG Financial, LLC (www.theilg.com), suggests four key points to keep in mind as you plan for, or move into, retirement.

•  Recovery time has shortened. If the market takes a dramatic downturn when you are in your 30s, you have plenty of time for your investments to make a recovery. You likely draw a paycheck and have little or no need to dip into that money, taking a loss. But that's not the case when you are in retirement and living off those investments. In later years, your investing strategies need to adapt so you aren't as subject to the whims of the market.

•  Hanging on to what you have. "You don't need great returns if you can avoid great losses," Lopez says. Sure, you might like to plow a huge chunk of money into the latest trendy stock that could take off and send the value of your portfolio soaring. But those kinds of investments come with risks that might be too great at this stage in life. By the time you reach retirement, it's less important that you see huge earnings on your investments than that you keep safe what you have. A modest return at that point is fine. "The belief that the stock market is the answer for beating inflation in retirement may be disastrous," Lopez says. Once again, it comes down to that recovery time, he says. You just don't have much.

•  One and done. "You won't get a second chance to get your retirement planning right," Lopez says. That's why you need to plan carefully the first - and only - time around. He's known people who had no plan, or whose planning relied on a specific chain of events that might or might not come about, such as assuming their lives would be shorter than they turned out. Essentially, instead of taking a mathematical approach, they were doing little more than hoping everything would work out.

•  Seek a specialist's help. It's important to get advice from someone with expertise not just in finance, but in retirement planning, Lopez says. That person can help you understand what pitfalls you need to plan for and what tools you can utilize. "You wouldn't use your primary care physician if you needed heart surgery," he says. "Likewise, when moving into retirement, you need a specialist."

About Dave Lopez

Dave Lopez is the founder of ILG Financial, LLC (www.ILGFinancial.com) 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.

Skills To Start A Business Aren't The Same As To Grow It, Says Former Naval Officer & Business Leader

The dream of launching a business runs deep in the American psyche, but more often than not those dreams go bust.

Half of new U.S. companies fail in their first five years, according to Gallup. Expand the timeframe out to 10 years and the failure rate reaches 70 percent.

That's not surprising, says Randy H. Nelson, an entrepreneur who has built multi-million dollar companies. The skills it takes to start a business aren't necessarily the same as those it takes to keep that business afloat. What is surprising, though? In the U.S., more businesses are now being shut down (470,000) than are being started (400,000).

"Many entrepreneurs have the gumption to take that dramatic first step of sparking something into creation, but too many lack the perspective to reflect on what's needed for the next step," says Nelson, author of "The Second Decision - The Qualified Entrepreneur" (http://randyhnelson.com/book/).

Also, anyone can declare themselves an entrepreneur. No qualifications are required. Nelson says that's different from the Navy, where he served as a nuclear submarine officer and had to prove his qualifications before advancing.

Because of that lack of proper qualifications, Nelson says entrepreneurs often make five mistakes that threaten to put their businesses at risk.

·  Insistence on autonomy. An Inc. magazine study once said that a trait most entrepreneurs share is their desire for autonomy, which is great starting out, Nelson says. "In the startup phase, the company is all about you," he says. "Your fingerprints are on everything, and there is very little you don't know and aren't directing."

But after the startup phase, the company steams into the growth phase, becoming more complex and more vulnerable to industry and economic trends. At that point, an entrepreneur's insistence on autonomy can hinder the company's ability to respond quickly and intelligently to challenges it faces. "In the growth phase, you simply can't do it all, and it's foolish to keep believing you can," Nelson says.

·  Unwillingness to build structure, cultivate expertise or delegate. Many entrepreneurs will need to surround themselves with a strong executive team - or at least a steady right-hand individual - to ensure the company's success, Nelson says. But too many business owners fail to create the kind of structure that produces good leadership decisions within a managerial team.

"As you grow your company and enlarge it to meet new opportunities, you must also build in accountability," Nelson says. "Systems need to be put into place, and people, too." The entrepreneur needs to know the employees and where their strengths lie to put them to good use, he says.

·  Lack of financial leadership. Entrepreneurs by definition take risk when they make the decision to start their own business. In the area of financial leadership, which includes tracking cash levels and trends, financial covenants, metrics and expenses, entrepreneurs who are not financially literate and active will need the direct support of a financial expert to ensure they receive the advice and input needed in their organization.

The Small Business Administration has estimated that up to 60 percent of businesses owe their demise to a lack of cash. Other sources have this number as high as 90 percent. Nelson says: "When it comes to financial leadership, it is what entrepreneurs don't know that they don't know that will multiply the risk in their business exponentially."

·  Reacting unwisely to boredom. Starting a business proved exhilarating. The day-to-day operation of it may pale in comparison. A bored entrepreneur can create significant troubles for the business, Nelson says. "Things are going to get up-ended in a hurry, because many bored entrepreneurs either start new companies or abruptly make changes in their current companies to keep their own level of excitement high," he says.

"Of course, entrepreneurs are to be celebrated for their guts and desire to innovate. But when a serial entrepreneur habitually and almost obsessively looks for new sandboxes to play in, what happens to the existing company or companies often isn't very good."

·  Failure to engage in self-examination. Entrepreneurs need to be aware of their own strengths and weaknesses, the same things they gauge in their employees.

"You need to set aside your probably abundant self-confidence and take stock of what you know, what you're good at, and what skills you still need to master in your leadership role," Nelson says.

About Randy H. Nelson

Randy H. Nelson is a speaker, a coach, a Qualified Entrepreneur, a former nuclear submarine officer in the U.S. Navy and author of "The Second Decision - The Qualified Entrepreneur" (http://randyhnelson.com/book/). He co-founded and later sold two market-leading, multi-million dollar companies ? Orion International and NSTAR Global Services. His proudest professional achievement was at the Fast 50 awards ceremony in the Raleigh, N.C., area when NSTAR, a 10-year-old company, and Orion, a 22-year-old company, were awarded the rankings No. 8 and No. 9, respectively. Nelson now runs Gold Dolphins, LLC, a coaching and consulting firm to help entrepreneurial leaders and CEOs become Qualified Entrepreneurs and achieve their maximum potential. He has a Bachelor of Science degree in Accounting from Miami University, Ohio, and was awarded the Admiral Sidney W. Souers Distinguished Alumni Award there in 2011.

A Change In Thinking Can Lead To A Change In
Behavior And Results, Says Sought-After Speaker

Hard times that sap your energy and leave you frustrated are an inevitable part of life.

Maybe you lost a job. Maybe your finances took a turn for the worse. Maybe your personal life is in disarray or a health problem emerged forcing a lifestyle change.

Such setbacks can leave people feeling afraid, uncertain, angry or unsatisfied, says Darlene Hunter, a renowned speaker and author of "Win-Ability, Navigating through Life's Challenges with a Winning Attitude," (www.darlenehunter.com).

Overcoming those emotions, she says, comes down to a person's mindset and perspective.

"Your attitude is a critical factor that can either hold you back or help you move forward," Hunter says. "Everyone needs to take the time to do a pulse check on where they are in their thinking. Is it positive or negative?"

A positive attitude comes easily when life is rosy. The real trick is persevering when things go awry so you can continue to strive toward your goals.

"The important thing to remember is that we cannot give up just because things do not work out the way we want," Hunter says. "We must be persistent and press our way through to the end."
Hunter offers five tips that can help change your thinking, which in turn will change your behavior and, ultimately, change your results.

•  Be a planner. To live your dream, you need to know what you want and have a plan for getting there. "Planning your day, week and month are critical ingredients to living your dream and purpose," Hunter says. The "how" and "why" elements are important factors in planning, as they guide you in the direction you want to go.

•  Be goal oriented. Once you set goals, the next step is to work on completing them. That's why it's important to set goals you can accomplish. Each time you can check a goal off your list, you are one step closer to what you ultimately want to achieve. "The sense of accomplishment that comes from reaching even the smallest goals will help you keep moving and striving to get your desired end," Hunter says.

•  Be driven for results. When you are driven, Hunter says, you have a compulsive and urgent desire to accomplish what you are seeking, whether it's a bonus, a promotion, additional knowledge in a particular area or some other goal. The important factor is to always know what you are seeking. Results-driven people focus on meeting objectives and delivering on the goals they set.

•  Have a winning attitude. You must be determined, dedicated and devoted to succeed. "You should never give up on your goals and dreams simply because something goes wrong or you are not getting where you hoped to be fast enough," Hunter says.

•  Be focused. When you are focused, you have a clear perception and understanding of what you want to accomplish and where you need to go to get there. "Think about long-distance runners who will run a 26-mile marathon," Hunter says. "They find their pace and then they stay with it. They may get weary and tired, but they find their zone and stay focused and concentrate on what is needed to get to the end."

"Plenty of stories can be told about people who failed in the beginning, but made it to the top of their profession because they did not give up after being told they weren't good enough," Hunter says.
"The ability to keep trying and pushing no matter how many failures or obstacles you hit is the power of perseverance and is what 'Win-Ability' is all about."

About Darlene Hunter

Darlene Hunter, (www.darlenehunter.com), is president of Darlene Hunter & Associates, LLC, a motivational / inspirational speaker, author, life and business coach, and award-winning radio talk show host. Her new book, "Win-Ability, Navigating through Life's Challenges with a Winning Attitude," is her fourth on the theme of perseverance. She is the host of "The Darlene Hunter Show", winner of the Fishbowl Radio Network 2013 Distance Show Of The Year Award. Hunter has been a top performer in management for more than 30 years.

Veteran Entrepreneur Says The Best Teacher Is Experience

Exorbitant student loans constitute just one reason why young people eager to experience the world may want to reconsider college, says Ed Basler, a veteran entrepreneur.

There is now $1.2 trillion worth of college debt in the United States and the average borrower will graduate $26,600 in the red, according to The Institute for College Access and Success (TICAS) Project on Student Debt.

"None of this guarantees a job or even that a college grad will be job-ready," says Basler, CEO of E.J. Basler Co., (www.ejbasler.com).

"After four weeks of business school I, the son of a businessman, had realized that the professor had no real-life experience running a business and that I wouldn't learn the practical principles necessary to succeed. But I stuck with business school for two years until I dropped out, and I haven't had any regrets 40 years later. Hands-on experience trumps a degree all the time."

Factor in the fact that necessary business skills evolve faster than the time it takes to earn a degree and the overall lack of preparation for the real world provided by college and the choice to save time and money is a no-brainer, says Basler.

Business owners and hiring managers should see past the college degrees of potential employees, or lack thereof, and focus on the content of an applicant's skills and character, says Basler, who offers, in his own words, the following tips for hiring.

•  Do not accept any bad attitudes. A bad attitude spreads like the flu, and if you don't stop it, it'll make your whole team sick. Good attitudes will spread too, so look to hire people with a positive nature. Is the prospective hire full of complaints about previous employers? Don't be surprised if you become the next target of such whining. No one is indispensable. I have interviewed people who were clearly bright and skilled. Yet, afterward, I felt like telling them not to let the door hit them on the way out. I've never regretted my decision to insist on good attitudes.

•  Hire friends very cautiously. They can become your best employees. Often, however, they are your worst, and they're hard to fire. Hire family members even more cautiously. Let them know the ground rules and expectations up front. And treat them like the rest of your employees. I hear horror stories all the time from business people who are suffering because of family involvement. But it can also work very well - it has worked out well for me.

•  Hire not only for skills but also for potential. Leaders can be made if trained and motivated properly. I've seen many a young person with no previous experience or knowledge of my business learn a trade or skill and prosper and excel. Many times, it's even an advantage to start from the beginning with someone who does not have the baggage of bad habits or practices from a previous employer.

•  Put people in the right positions. Test them for their personality and skill sets. There are many tests - one good one is the Meyers Briggs and the DISC profile. It's hard, sometimes, to understand where people fit, which is why we try to use testing to learn about their particular skills.

"A college degree is a generic qualification and is by no means the ultimate criteria by which you should hire talent," Basler says.

About Ed Basler

Ed Basler is a longtime entrepreneur and CEO of E.J. Basler Co., (www.ejbasler.com), which provides precision-machined parts and solutions to companies worldwide. He is a sought-after motivational speaker and president of Fresh Eyes Coaching, a firm that helps small businesses identify profit opportunities and obstacles. Ed and his wife, Cathi, also founded and ran a nationally recognized not-for-profit youth organization for 15 years. He is the author of "The Meat & Potatoes Guide to Business Survival: A Handbook for Non-MBA's & College Dropouts."

Passing Leadership Role To Next Generation Is Tricky If Path Not Carefully Planned

After years of hard work, you've built the family business into a great success and you take pride in meeting the challenges that each day brings.

At some point, though, the day arrives when it's time to turn the reins over to the next generation.

That can be an exciting moment or an anxiety-ridden one, depending on what has gone on before to prepare for the momentous occasion.

"Laying the path to a successful family-business transition requires a bit of threading the needle," says Henry Hutcheson, author of the book "Dirty Little Secrets of Family Business" (http://dirtylittlesecretsoffamilybusiness.com).

"On the one hand you don't want to paint an overly rosy picture to the next generation. That could create a sense of entitlement and the false perception that running a business is easy and all you need to do is count the money and show up every now and then to check on things."

At the same time, he says, if you put too much emphasis on the difficulties of running a business and the stresses that come with it, your sons and daughters might not clamor to be first in line to take over.

Ideally, it's best to think ahead and start grooming the next generation long in advance, Hutcheson says. Give them summer jobs while they are in high school and college so they can start testing their abilities.

When they join the family business full time, find initiatives for them to work on that involve group dynamics. But also hand them individual projects where they hold sole responsibility for the results.

"It's critical when you are selecting the next leader to realize that it's not all about who will lead," Hutcheson says. "It is also about ensuring that those who are not selected are in support of the decision and can work as a team with the new leader."

Hutcheson says there are four key ingredients to developing the right person to take over the family business.

•  Independence. Next generation leaders must have confidence in themselves, their thoughts and their beliefs. "Much of this can be developed while working in the family business by constructing and leading significant projects," Hutcheson says. But one shortcut to accomplish this is to work for some other company early on. Many multi-generation family businesses like to make that a requirement for family members.

•  Competence. This is more than just being able to do the work. It means developing bottom-up experience. Not just being the accountant, but being able to reconcile the accounts and perform the journal entries. Not just being sales and marketing manager, but having been on a quota and worked the trade shows. Experience doing some of the day-to-day grunt work can pay dividends down the line.

•  People skills. "It's not enough to just be smart and confident," Hutcheson says. "You need to be able to work with people." He notes that in the book "Emotional Intelligence," Daniel Coleman outlines two studies that measured the success of a batch of high school valedictorians and Harvard graduates. Those who were able to perceive the emotional state of others and react to it appropriately proved to be the most successful.

•  No special privileges. The person in line to take over the family business needs to be willing to show up to work on time, stay late, take on special projects and be measured by the same metrics as everyone else. "This will show that you are part of the team and that you want to be judged on the merits of your work, not your bloodline," Hutcheson says. It will also help the next generation gain the respect of co-workers.

About Henry Hutcheson

Henry Hutcheson is president of Family Business USA and specializes in helping family and privately held businesses successfully manage transition, maintain harmony, and improve operations. His newest book is "Dirty Little Secrets of Family Business: How to Successfully Navigate Family Business Conflict and Transition" (http://dirtylittlesecretsoffamilybusiness.com). He's also quoted in "Kids, Wealth, and Consequences" and "Sink or Swim: How Lessons from the Titanic Can Save Your Family Business." Hutcheson grew up working for his family's business, Olan Mills Portrait Studios. He studied psychology and has an MBA from Columbia Business School, and is a popular speaker at professional, university and corporate-sponsored events.

A Few Precautions Help Reduce Risks So You Can Focus On Fun, Globetrotting Author Says

Perhaps more than ever, women are willing to ditch their traveling companions and go solo when it comes time to hit the road and see the world.

A survey by Small Luxury Hotels of the World, for example, revealed that between 2011 and 2012 there was a 53 percent increase in the demand for rooms by women traveling alone.

The London Daily Mail also reports that some hotels have taken steps to make their accommodations more appealing to women traveling on their own, with such features as women-only floors.

Still, despite the trend, many women may worry that such solitary excursions carry too many risks, making them a target for thieves, kidnappers and other criminals.

But one woman who has logged endless miles exploring the world and finding romance says it doesn't have to be that way.

"There is no reason to let your fears keep you from the adventures you can experience," says Barbara Foster, a veteran globetrotter and author of the book "The Confessions of a Librarian: A Memoir of Loves." (www.threelovestory.com)

"Sure, there are risky places and bad types out there. But with the right precautions, women can travel solo with confidence, visiting the places and meeting the people they always dreamed of and returning home with wonderful stories and memories."

Foster speaks from experience. Her travels have taken her across the country and around the world, with stops in Istanbul, Bombay, Buenos Aires, Jerusalem and other locales.

As an adventurer, Foster is something of a contradiction. She describes herself as a librarian who has difficulty reading flight schedules, and suspects a haggling merchant in an Arab bazaar would view her as easy pickings.

He would be mistaken.

While Foster has spent a professional lifetime in academia, and co-authored books on such esoteric subjects as Tibetan Buddhism, she also is steeped in real-life experience.

Foster, who says solo trips can be deeply rewarding for women, offers five tips for traveling boldly while staying safe.

•  Steer clear of the most dangerous locales. Simply put, some places just aren't worth the risk, so avoid "no go" neighborhoods, cities and countries. For example, if you feel compelled to go to the Middle East, visit Israel, which is the safest Middle Eastern country. Still, if the destination is truly important to you, go ahead and take the risk. India can be dangerous and Foster says she was nearly kidnapped there, saved only by the intervention of a librarian friend. At the same time, she says, the country offers a once in a lifetime experience.

•  Connect with friendly contacts. Make yourself known not only to the U.S. embassy or consul, but also to people in your field, Foster says. During her travels, Foster wrote articles about libraries she visited. Her fellow librarians were a protective group.

•  Learn the language or at least useful phrases. Even if it's just a few key words, speaking the language can come in handy if you need to seek assistance. Understanding what others are saying also can alert you to potential dangers.

•  Dress wisely, pay attention to manners and spend money in moderation. Essentially, don't draw unnecessary attention to yourself. In her book, Foster recounts a visit to Istanbul where she watched horror-struck as two Turkish men slapped a young British woman for wearing a miniskirt on the street. For added protection against thieves, Foster recommends carrying money and identification in a pouch under your shirt.

•  Travel in the USA. You will miss many of the world's must-see places, but if the thought of traveling abroad holds too much stress for you, it might be better to stick closer to home. Foster says two of her favorite U.S. cities are New York and New Orleans, both great places to explore.

About Barbara Foster

Barbara Foster has worked as a college librarian and as an associate professor specializing in Women's Studies at the City University of New York. She has published numerous articles on education and travel, as well as more than 200 poems in literary journals under the name Belladonna. Her latest book is "The Confessions of a Librarian: A Memoir of Loves." (www.threelovestory.com)

Nutrition Icon Offers Breakfast, Lunch & Dinner Options

The link between chronic disease and inflammation based on a poor diet and sedentary lifestyle has been made clear by now, as outlined in an article from the Centers for Disease Control and Prevention.

The article explores how humankind uncovered the tools to overcome infectious disease with germ theory, posited in the 19th Century. More than a century later, as we've encountered the wrath of chronic disease - including heart disease, cancer, stroke, rheumatoid arthritis, and many others - research has identified a modern-day equivalent, this time caused by inflammation.

"The best medicine to ease the massive suffering endured by so many in our population today is an active lifestyle and an anti-inflammatory diet; food should be nourishing and  pleasurable," says nutritionist and juicing pioneer Cherie Calbom, MS. ("The Juice Lady"). Her latest book, "The Juice Lady's Anti-Inflammation Diet," (www.juiceladycherie.com), outlines the causes of inflammation and offers solutions with healthy meals for breakfast, lunch and dinner, as well as robust juicing recipes.

"Whether you're on a vegetarian, vegan, low-carb, no-carb, Mediterranean, Neanderthal or any other kind of diet, there are delicious recipes available to anyone who wants to up their anti-inflammation efforts."

Calbom lists just three of her many recipes, with some ingredients that may already be found in your pantry, she says.

•  Breakfast: Spanish frittata and simple salad with maple orange vinaigrette (serves 4-6). Frittata: 12 large organic eggs; ½ cup coconut milk; ½ tsp. sea salt, or more to taste; 2 tbsp. coconut oil or extra-virgin olive oil; 1 small red onion, small chop; ½ cup sautéed mushrooms or your favorite vegetable; 1 cup spinach or arugula.

Preheat oven to 375 degrees. Whisk the eggs and coconut milk with 2 pinches of salt. Set aside. Prepare pan with coconut oil and medium-high heat and sauté onions until translucent, about 3 min. Add mushroom or favorite vegetable and sauté until soft. Toss in spinach and fold into veggie mixture just until wilted. Remove vegetables from pan; set aside. Turn down the heat to low, adding a little more coconut oil if needed. Using the same skillet, add the eggs, shaking to distribute the mixture evenly. Cook over medium-low heat for 5 min. using a spatula to spread the eggs from the edges to the center until the edges are no longer runny. Arrange the vegetable mixture over the top evenly.

Transfer to a 375-dgree oven and cook for 5 minutes until set and slightly browned. Remove from oven. Be very aware of the hot handle! To finish, slide partially cooked frittata onto a large plate; wearing oven mitts, place a plate over the pan and, holding the two together, invert them so the frittata drops onto the plate. Slide the frittata back into the pan so partially cooked side is up. Place back in oven to cook 3-4 min. more.

"The simple salad with maple orange vinaigrette is something I dreamed up for a 'breakfast for dinner' themed night - a nice complement to the main dish," she says.

•  Lunch: tropical quinoa salad with cashews with carrot fries (serves 4). Quinoa: 1 cup dried quinoa, rinsed well; ½ red onion, finely chopped; 1 cup apple or carrot, finely chopped; juice of 1 lime, 2 tbsp. honey or agave; 1 tbsp. extra-virgin olive oil; 1 large mango, chopped (not overly ripe); ¼ cup mint, finely chopped; 1 tsp. seal salt, to taste; freshly ground black pepper, to taste; ½-inch-piece ginger, finely chopped; 1 avocado, chopped or thinly sliced; 1 cup cashews, coarsely chopped; 3 cups Romaine lettuce (or greens of choice), roughly chopped.

Cook the quinoa: Bring 2 cups of water to a boil in a medium saucepan; add the quinoa and simmer, covered 15-20 min. Set aside and let cool (spread out for best results). In a large bowl toss the chopped red onion and apple/carrot. Whisk together the lime juice, honey and olive oil. Add to the bowl. Add the cooked, cooled quinoa and mango to the bowl and toss well. Mix in mint, cilantro, ginger and salt and pepper, to taste. Garnish with sliced avocado and cashews. Scoop mixture over greens and serve chilled or at room temperature.
"Who doesn't like French fries? - Carrot fries are a healthy alternative!" Calbom says.

•  Dinner: grilled salmon and asparagus with stone fruit and lavender chutney (serves 4-6). Chutney: 2 lb. stone fruit, small dice; 1 large onion, finely chopped; zest of 1 lemon or lime; 2 tbsp. garlic, minced; ¼ tsp. chili flakes (optional); 1/3 cup red wine vinegar; ¾ cup raw honey or agave; ¾ tsp. sea salt; 2 tbsp. fresh lavender (or use basil or mint; use 1 tsp. dried lavender if you cannot find it fresh).

In a saucepan combine all prepared ingredients except the herbs. Bring to a boil. Continue cooking at a rolling boil, 15 min. Stir occasionally. Mix in fresh herbs and/or lavender at the end.

"This chutney will get you excited for salmon all over again," she says. "Of course, buy wild salmon, which is significantly healthier and environmentally friendly."

•  Snack: Cherry Chocolate Shake (serves 1). 1 Tbsp. unsweetened, unprocessed cocoa powder; ½ cup frozen dark cherries, pitted; 1 cup coconut; almond or flax milk; ½ tsp. pure vanilla extract; several drops of liquid stevia (suggest Sweet Leaf Vanilla Creme); ice cubes as desired

Place all ingredients in a blender and process until smooth.

Cherie Calbom, M.S.

Cherie Calbom holds a Master of Science degree in whole foods nutrition from Bastyr University. She is author of 26 books including The Juice Lady's Anti-Inflammation Diet, (www.juiceladycherie.com), The Juice Lady's Big Book of Juices and Green Smoothies, The Juice Lady's Turbo Diet, Juicing, Fasting, and Detoxing for Life, The Juice Lady's Living Foods Revolution, The Complete Cancer Cleanse, and Juicing for Life with over 2 million books sold in the US and published in 23 countries. She has worked as a celebrity nutritionist with George Foreman and Richard Simmons, and has appeared on numerous radio and TV shows and in scores of magazine articles. She appeared on QVC for over 13 years with the George Foreman grill. Known as "The Juice Lady" for her work with juicing and health, her juice therapy and cleansing programs have been popular for more than a decade.

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