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Morals, Ethics, Values
07/27/2010
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How to Answer theDreaded Questions
When you Go Home for the Holidays

By The Love Goddess
www.thelovegoddess.com


"I'm going to be asked by my aunt--yetagain--why I'm not married," and am tired of answering thequestion with "Because I haven't met anyone yet. Because the look onher face when I say that is, like, triumphant. 'Oh dear.' she says,shaking her head 'I guess, well,--and here she smiles--no one's reallygood enough. Such a shame. How old are you now?'"
'My brothers are going to tease meabout gaining weight. I need a quick answer that doesn't humiliate me.Help!
'My mother will put down myboyfriend--a fabulous carpenter just starting out--with little snydecomments like, 'And what do you do again, dear?

Okay darling earth girls; time to get smart--now, beforeChristmas. Answers to stupid questions require planning ahead,lest they make you so mad you lose your cool. Here are threetried-and-true ways to five answers to the world's most obnoxiousquestions. Note that they share a theme, and that it's the theme you'reto remember.

1. ANYONE WHO ASKS YOU WHY YOU'RE NOT MARRIED DESERVES A BLOW-OFFANSWER.--AS GOOFY AND INSINCERE AS YOU CAN MAKE IT. Don't takethe question or the person seriously, as it's not a sincere questionbut rather one designed to make you uncomfortable (for, after all, whatanswer can you give that doesn't require an intimate, honestexchange?). So, unless you're prepared to level the person and start afight, evade the question with a breezy, even goofy answer--it deflectsthe hostility and you come out looking cheerful and unfazed.

2. To hone this skill, try anticipating the questioner's real point,and offer the answer she or he wants to hear. "I guess no one's goodenough for me, Aunt Jane" is very good, as it saves her the trouble ofimplying just that. 'No one would ever marry me because I'm fartoo stupid is another good one. Whatever you suspect the hidden agendais.

3. Disarm the questioner with something more interesting than thequestion. "I came close to marrying Fred Auntie, but he got worriedwhen he discovered how rich I am." At least she'll do a double take.You? Rich? How and when? Huh? An excellent answer. Thenturn and pour yourself a drink--and don't join her again.

The theme here is to disarm the rude questioner in any way you can. Thegoofier the answer, the better. "Gosh, Grandpa, I DO want toget married and have found just the right guy....but my psychic told me not to get marrieduntil February of 2011. So I'm waiting. " (Grandpa won't knowwhether to ask about the psychic or the reasoning for the month ofFebruary, or why he didn't know you were engaged--by which point you'llhave dashed out of the room.) Your "psychic" could also be yourguru, or your priest or your Groom's mother. Anybody who hasn'tbeen introduced to the family, nor heard of at all, will do. You wantto sound like it's all taken care of--by some lunatic no one knows.

For a roomful of family friends who all seem to be asking the samequestion and can't shut up, try. "Oh, you haven't heard, UncleBill. I AM married! I just haven't announced it yet! You're thefirst to know--so keep it a secret for me for now, okay?" Bill willwant to know when you're going to tell everyone. Just say, "Soon! Verysoon!"

Same for your boyfriend, the neophyte carpenter. Have him tell yourmother he's working on a chest of drawers for the queen of England. Andtell your brothers that the reason you've gained weight is that you'reon the girls' basketball team and are taking steroids till you reachthe proper strength.

See?

And then walk away and find someone to talk to who loves you just theway you are.

Dalma Heyn, M.S.W., Founder of The Love Goddess, is the author ofseveral bestselling books on marriage and relationships. Dalma is awidely read columnist and sought-after speaker. She hasappeare--without her wings--on national talk shows including Oprah, The View, Charlie Rose, GoodMorning America, and Larry King Live. For more information visitwww.thelovegoddess.com or www.dalmaheyn.net. Permission granted foruse onDrLaura.com

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07/27/2010
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Tax Time Identity TheftPrevention Tips
By John Sileo
www.ThinkLikeaSpy.com


This past week, I have beenhelping a gentleman recover from the theft of all of his taxrecords. Before it is all over, this gentleman will have spendhundreds of hours and thousands of dollars simply preventing anyfurther fraudulent use of his identity. That doesn't account for anydamages already done to his finances, criminal record, medical recordsor social security benefits. There is very little that is more damagingand dangerous to your identity than losing your tax records.

After all, tax records generally contain the most sensitive personallyidentifying information that you own, including Social Security Numbers(for you, your spouse and maybe even your kids), names, addresses,employers, net worth, etc. Because of this high concentration ofsensitive data, tax time is like an all-you-can-eat buffet for identitythieves. Here are some of the dishes on which they greedily feed:
  • Tax documents exposed onyour desk (home and work)
  • Private information thatsits unprotected in your tax-preparer's office
  • Improperly mailed, emailedand digitally transmitted or filed records
  • Photocopiers with harddrives that store a digital copy of your tax forms
  • Copies of sensitivedocuments that get thrown out without being shredded
  • Improperly stored and lockeddocuments once your return is filed
  • Tax-time scams that takeadvantage of our propensity to do whatever the IRS says (even if it'snot really the IRS asking)
TopTips for Tax Time Identity Theft Protection: Safe Preparation.Your greatest risk of identity theft during tax season comes from yourtax preparer (if you use one) either because they are dishonest (lesslikely) or because they are careless with your sensitive documents(more likely). Just walk into a tax-preparers office on April 1 and askyourself how easy it would be to walk off with a few client folderscontaining mounds of profitable identity. The devil is in thedisorganization.

Effective Solutions:
  • Choose your preparer wisely.How well do you know the person and company preparing your taxes? Didthey come personally recommended, or could they be earning cash on theside by selling your personal information. Do they have an establishedrecord and are they recommended by the Better Business Bureau?
  • Interview your preparerbefore you turn over sensitive information. Ask them exactly how theyprotect your privacy (do they have a privacy policy?). Are they meetingwith you in a room full of client files, or do they take you to aneutral, data-free, conference room or office? Do they leave files outon their desk for the cleaning service to access at night, or do theylock your documents in a filing cabinet or behind a secure office door?Do they protect their computers with everything listed in the nextsection?
  • Asking professional taxpreparers these questions sends them a message that you are watching!Identity thieves tend to stay away from people they know are activelymonitoring for fraud. Remember, losing your identity inside of theiraccounting or bookkeeping business poses a tremendous legal liabilityto their livelihood.
SecureComputers. Last year, more than 80 million Americans filed theirtax returns electronically. To prevent electronic identity theft, youmust take the necessary steps to protect your computer, network andwireless connection. Additionally, your tax preparer should be workingonly on a secured computer, network and internet connection. Hire aprofessional to implement the following security measures:
  • Strong alpha-numericpasswords that keep strangers out of your system
  • Anti-virus and anti-spywaresoftware configured with automatic updates
  • Encrypted hard drives orfolders (especially for your tax preparer)
  • Automatic operating systemupdates and security patches
  • An encrypted wirelessnetwork protection
  • A firewall between yourcomputer and the internet
  • Remove all file-sharingprograms from your computer (limewire, napster, etc.)
Private information should betransmitted by phone using your cell or land line (don't use cordlessphones). In addition, never email your private information to anyoneunless you are totally confident that you are using encrypted email.This is a rarity, so don't assume you have it. In a pinch, you canemail password protected PDF documents, though these are relativelyeasy to hack. Stop Falling for IRSScams. We have a heightened response mechanism during taxseason; we don't want to raise any red flags with the IRS, so we tendto give our personal information without much thought. We are primed tobe socially engineered. Here's how to combat the problem:
  • Make your default answer,"No". When someone asks for your Social Security Number or otheridentifying information, refuse until you are completely comfortablethat they are legitimate. Verify their credentials by calling them backon a published number for the IRS.
  • If someone promises you (byphone, fax, mail, or in person) to drastically reduce your tax bill orspeed up your tax return, don't believe them until you have done yourhomework (call the IRS directly if you have to). These schemes flourishwhen the government issues economic stimulus checks and IRS refunds.
  • If anyone asks you forinformation in order to send you your check, they are scamming for youridentity. The IRS already knows where you live (and where to send yourrebate)! By the way, the IRS will NEVER email you for any reason (e.g.,promising a refund, requesting information, threatening you).
  • To learn more about IRSscams, visit the only legitimate IRS website, which is www.irs.gov. Ifyou are hit by an IRS scam, contact the IRS's Taxpayer Advocate Serviceat www.irs.gov/advocate.
MailSafely. A good deal of identity theft takes place while taxdocuments or supporting material are being sent through the mail. Ifyou are sending your tax return through the mail, follow these steps:
  • Walk the envelope inside ofthe post office and hand it to an employee. Too much mail is stolen outof the blue USPS mailboxes and driveway mailboxes that we use foreverything else to make them safe.
  • Send your return bycertified mail so that you know it has arrived safely. This sends amessage to each mail carrier that they had better provide extraprotection to the document they are carrying.
  • Consider filingelectronically so that you take mail out of the equation. Make surethat you have a well-protected computer (discussed above).
Shredand Store Safely. Any copies of tax documents that you no longerneed can be shredded using a confetti shredder. Store all tax records,documents and related materials in a secure fire safe. I recommendspending the extra money to have your safe bolted into your home sothat a thief can't walk away with your entire identity portfolio. Makesure that your tax provider appropriately destroys and locks up anylingering pieces of your identity as well. Tax returns provide more ofyour private information in a single place than almost any otherdocument in our lives. Don't waste your tax refund recovering from thiscrime.

About the author: John Sileobecame America's leading Identity Theft Speaker amp;Expert after he lost his business and more than $300,000 toidentity theft and data breach. His clients include the Department ofDefense, Pfizer and the FDIC. To further bulletproof yourself and yourbusiness, visit John's blog at Sileo.com. To book John atyour next event, visit
www.ThinkLikeaSpy.com. Permissiongranted foruse onDrLaura.com

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07/27/2010
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Fears Of A Clown
by Bob Schwartz


There are certain words spoken by a child that can send a shiver of panic through every parental nerve ending. I've discovered that the words causing the greatest consternation were not "Don't worry, the tattoos can always be removed with a laser" or "Can you believe putting in six eyebrow rings barely hurt?"

Rather, the words which sent me quickly into a panic attack were, "My Gymbo's gone!"

Most children, sometime in their early bedtime careers, take a liking to sleeping with a stuffed animal, cuddly clown, small blanket or even something out of the ordinary like one of my children's predilection for nightly embracing a deck of Rugrats Uno cards. Don't ask.

Our son fell into the clown category, and while putting him to bed one night during a family vacation in Canada, we discovered the terrifying experience of finding that his Gymbo the clown was gone. Vanished. Without even a trace of stuffing left behind or a crayon scribbled note.

After ransacking the room and coming up Gymboless, it was clear that he was most likely the victim of an involuntary dollnapping. We concluded he must have been inadvertently scooped up with the sheets that day by the hotel staff. Poor little Gymbo was lying innocently on the bed one minute and then, suddenly, his world was torn asunder with the disengagement of a fitted sheet.

Apparently, he was abruptly wrapped up in the bed linen and tossed down that dark and seemingly never-ending chute to the basement laundry facility. He went from his sheltered suburban upbringing, to being quickly exposed to the giant underbelly of a hotel building. He was naively left to wonder what he'd done to be cast aside and jettisoned into the dungeon of the sheet and pillow case world he was then forced to call home.

The immediate focus was damage control by one parent and Gymbo retrieval by the other. As our son broke out into hysterics, he made it painfully clear that no Gymbo for him meant no sleep. For everyone. And after a long day of nonstop vacationing movement, no sleep was simply an untenable concept for me.

My wife quickly got connected to the hotel laundry room and explained the dire circumstances. She was advised that they'd not seen him yet, but amazingly, they requested she provide them a description of the victim.

This caused us to immediately wonder just how many stuffed dolls they had lying in that basement. Was there some international black market for stuffed cuddly things going on down there? I grabbed the phone and interjected that we'd be able to pick him out of a lineup, so please just let us know how many cotton clowns they'd seen recently. Or perhaps they'd like us to come down and do a composite watercolor painting for them.

I handed the phone back to my wife who patiently provided the laundry staff the unmistakable physical characteristics of a stuffed blue and yellow clown #151; a missing button on his body-hugging suspenders, frizzy red hair, a frayed right leg, about twelve inches long, a bow tie, and with an unwavering cat that ate the canary smile on his face. I felt very confident they wouldn't confuse him with a mattress pad.

As we anxiously paced back and forth, the phone finally rang. In a thick French Canadian accent, the unemotional voice said, "Vee have located your clown."

The words, spoken so solemnly yet somewhat muffled, forced me to become fearful they would next demand a ransom? Or, worse yet, advise us that after a violent fifty-minute foray in the tumble dryer his arm was hanging by a thread?

My wife and I were so thankful that Gymbo was soon delivered to our door in one piece and wearing that same cockeyed grin, but to me, he had a little shell-shocked look. I could only think of the horrors he must have seen down below, tossed in amongst the giant spinning washer along with stained tablecloths and thrown about in the whirling dryers with a bath towel pressed against his face.

We could only hope that the familiar rhythmic breathing of his sleeping owner in the footed pajamas would soon erase the memories of his emotionally charged excursion into the outside world.

We did learn to avoid any unchaperoned Gymbo excursions in the future by tying one end of a shoelace around his waist and the other end around the bedpost each morning. I know that doesn't necessarily look all that loving, but hey, he never stops smiling. And it does eliminate one potential for bedtime parental panic.

Once was enough #151; for all of us.

Permission granted for use on DrLaura.com

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07/27/2010
IconSalute! Sante! Cheers! Toasting dates back to Roman times when a glass of wine with a toasted piece of bread at the bottom was passed around the table. The last person to sip from the goblet, claimed the bread and would be the one to "toast". More >>

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07/27/2010
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Ditch the Negative Drama
By Winn Claybaugh
www.beniceorelse.com


Years ago, a lovely woman who works for me made it almost a dailyritual to tell me all the negative drama and complaints from people atmy business. She truly believed she was doing me a favor, and I thinkshe thought it was a compliment that people brought her their problemsand complaints.

One day I asked her, "Why are you so available for this information?Why do so many people want to dump their negative drama onto you?"After a long conversation and a reminder about our company's veryeffective and positive system for expressing grievances, she finallyrealized she was not helpingthe individuals work out their problems, she was not bringing me information I coulduse, and she was instead bringing stress and bitterness upon herselfand her coworkers. This lovely woman is now no longer available fornegative gossip and drama.

To eliminate stress from your workplace, try these four ideas forreplacing stress-producing drama with fun, positive activities.

1. Create a "Caught Ya" board.Whenever a staff member sees a coworker doing something wonderful,they're encouraged to "write them up." A "Caught Ya!" message couldread something like, "To Derrick: Thanks for surprising me by cleaningup the stockroom." Keep preprinted "Caught Ya" cards near your boardand display it in the lunch area or break room where the "spoons"usually hang out-people who are back there stirring things up.

2.What's on your bulletin board? Take down anything negative andpost stories of hope and inspiration for everyone to see.

3.Devote time to a favorite charity. Doing something good forsomeone else brings your company together as a team and helpsindividuals step outside their own drama.

4.Give people something to laugh about! It's a medical fact thatstress can lead to ulcers and other unfavorable physical calamities.When people laugh and have fun, their bodies release endorphins-the ultimate "naturalhigh." Give your team a daily dose of healthfulness by making yourworkplace fun.

As a leader, you have choices in life. You can spend your day lookingfor problems, and guess what you'll find? Or you can spend your daylooking for reasons to celebrate your fellow team members. At the endof the day, you can go home feeling drained, exhausted, and bitterbecause of all the problems you discovered, or you can go home feelingenergized and grateful because you spent your day focusing on thingsthat empower both yourself and your team. The second choice makes you avisionary leader. Which type would you rather be?

Winn Claybaugh is the author ofBe Nice (Or Else!) and "one ofthe best motivational speakers in the country," according to CNN'sLarry King. A business owner for over 25 years with over 8,000 peoplein his organization, Winn is the co-owner of hair care giant PaulMitchell's school division. Winn has helped thousands of businessesbuild their brands and create successful working cultures. His clientsinclude Southwest Airlines, the Irvine Company, Vidal Sassoon,Entertainment Tonight, Mattel, ForRent magazine, Structure/Limited/Express, and others. Winn is afrequent guest on national radio and a regular contributor to onlinepublications. Visit
www.BeNiceOrElse.com to sign up for his free monthly Be Nice (Or Else!) newsletter. Permission granted for use onDrLaura.com.

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07/27/2010
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TheGraduation Speech Your Kids Really Need To Hear
By Cliff Ennico
www.creators.com

Members of the Class of 2009:

I was sorry to hear that the children's TV show hostwho was to have been your commencement speaker today had to bow out atthe last minute due to an attack of terminal cuteness. I wasdelighted, however, when the Trustees called me about an hour ago andasked me to fill in.

Now, I've never done this before, and I wasn't givena whole lot of guidance, except that I was told to tell you to "followyour dreams" and "reach for the stars", since there's a federal lawrequiring those statements to be included in all graduation speeches[pause for laughter].

While I know some of you already have jobs and some,OK most of you, do not, I know that all of you are wondering today whatyour lives are going to be like. I know I did when I sat in oneof these chairs back in 1975. Let me tell you something it'sgoing to be a lot different than you think it will be. As JohnLennon once said, "life is what happens to you when you're making otherplans."

I have two pieces of news for you, and neither ofthem are fun to talk about, but I feel they must be said, and no bettertime than today. First, whatever dreams most of you hope toaccomplish in your lives, you won't be able to achieve them until youhave achieved some measure of financial security for yourself and yourloved ones. Like many generations before you, unless you wereborn wealthy (and sometimes even then), finding and keeping thatfinancial security will be the primary, if not the only, thing you willspend time on for the next 50 years.

It gets worse. The second thing is that it hasnever been a more difficult time to make a decent living inAmerica. I'm not just talking about the collapsing banks,bankrupt auto companies, or global warming. I'm talking aboutsome mega-changes in our economy.

Many of the career paths your parents andgrandparents enjoyed working for large corporations are no longerthere. Oh, many of the corporations are still there, but they'vegot a different outlook than they did in my day. To them, peoplecost money, and you have to keep your costs as low as possible to stayalive. So if you can buy computers to do the work of lots ofpeople, you buy the computers and fire the people. If you musthire people to do a job, because no computer is good enough, you hirethe cheapest people you can in Asia and Latin America. And if youreally must hire Americans, you "outsource" them as independentcontractors rather than employees. That way you don't have to paytheir health insurance.

The Government won't be there to bail you outeither. Social Security, Medicare and other government programsthat helped your parents and grandparents either won't be there whenyou are ready for them, or they will be so scaled back that only themost poverty-stricken Americans will qualify for them. Hopefullythat won't include any of you [pause for murmuring/dodge vegetables].

And if you think you can scale back yourexpectations and work in a small, simple business, there's a massivewave of immigrants from Asia, Africa and Latin America who are only toowilling to take the jobs we Americans are too proud to take.

The terrible truth about your future, ladies andgentlemen, is that there is only one person you can rely on to help youbuild your future and success, and that is you. Sooner or later,you will find yourself running your own business, and you had betterstart preparing for that day now. It may happen next year, it maynot happen until you turn 50. It may be a part-time business,

Many of you, I'm sorry to say, are totallyunprepared for the challenge. While the American educationalsystem is still, for my money, the best in the world, the sad truth isthat most of you are totally clueless about what business isabout. Far, far too many of you, including even a few Phi BetaKappas and Rhodes Scholars, don't know the difference between revenueand profits, can't balance your checkbook, and couldn't tell thedifference between a balance sheet and an income statement if your lifedepended on it. To be successful in this brave new world, youwill have to learn how business really works on the job, with lots ofself-study, practical experience, and by making a few mistakes.

Now before you business students start thinking youhave a leg up over your liberal arts classmates, let me tell you thatyour education has been grossly deficient as well. You know a lotabout numbers and spreadsheets, but you don't know diddly about thehuman heart. Make no mistake to be a success in business, youmust be a keen observer of human nature above all else. To knowwhich customers are more willing to buy than others, and whenperceptions of your products and services are changing, is a lot morevaluable to a business than knowing the difference between "accountingprofit" and "economic profit".

What is probably worst of all, many of the best andbrightest of you have a dim view of business, period. Like manybefore you, you think you are too good for a business career, or thatone has to be unethical, greedy and unscrupulous to be a success. Sadly, it's hard to blame you for that, given all of the recentfinancial scandals, grossly overpaid executives and business' totaldisregard for the environment. But let me assure you that youdon't have to be ruthless, obnoxious, devious or even Republican tosucceed in business [pause for laughter/applause/murmuring/vegetables].

For those of you who think a business career isn'tchallenging, let me remind you that any activity that generates incomefor you and your family, is a business. If you are a collegeprofessor, getting published and being granted tenure is yourbusiness. If you work for a corporation, staying employed andimpressing the right people every day is your business. If youare an artist, creating works that you know will sell quickly (andpreferably have been paid for in advance) is your business. Whileit's admirable to look at what you do as a calling, if you neglect the"business side" of what you do, you are taking the first baby steps tofailure and ruin.

I have had the pleasure of working with over 15,000business owners in my career, and they are a more diverse group eventhan you are. They come from all walks of life andbackgrounds, and their personalities are all over the map. Contrary to what you may believe now, there is no such thing as a"success type". The beauty of this wonderful country ofours is that anyone - I mean anyone - can succeed in business with theright training, the right outlook on life, and the determination to dowhat others are too squeamish or hesitant to accomplish.

So by all means reach for the stars and follow yourdreams, for without faith, hope and passion your business will neversucceed, even if you're as smart as Einstein.

Just whatever you do, don't run out of money.

Cliff Ennico (cennico@legalcareer.com)is a syndicated columnist, author and former host of the PBS televisionseries 'Money Hunt'. This column is no substitute for legal, tax orfinancial advice, which can be furnished only by a qualifiedprofessional licensed in your state. To find out more about CliffEnnico and other Creators Syndicate writers and cartoonists, visit ourWeb page at www.creators.com.COPYRIGHT 2009 CLIFFORD R. ENNICO. DISTRIBUTED BY CREATORS SYNDICATE,INC. Permission granted for use on DrLaura.com.


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07/27/2010
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Simple Avocado MangoSalad
By Cheryl Tallman
www.FreshBaby.com


Ingredients:

Salad:
1 avocado, cubed
1/2 mango, cubed
1 graham cracker, crushed

Honey-Lime Dressing:
2 Tbsp lime juice
1 Tbsp rice vinegar
1Tbsp Honey
1/4 cup olive oil

Directions:
Prepare dressing: In small bowl, whisk all ingredients together.
Salad: Arrange avocado and mango cubes on a plate or bowl. Drizzle withdressing. Sprinkle with graham cracker crumbs. Serve.
Cheryl Tallman is the co-founder of Fresh Baby, creators of theaward-winning So Easy Baby Food Kit, and author of the So Easy Baby Food Basics: Homemade BabyFood in Less Than 30 Minutes Per Week and So Easy Toddler Food: Survival Tips andSimple Recipes for the Toddler Years. Visit Cheryl online at
www.FreshBaby.com for more delicious tips. Permission granted for use on DrLaura.com.





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07/27/2010
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Protect Your Medical Information
By John Sileo
www.Sileo.com


Medical records are one-stop shopping for identity thieves. There is no need to slowly gather bits and pieces of someone's personal information - it's all packaged together: Social Security number, name, address, phone number, even payment accounts.

Crooks have received everything from medication to a liver transplant using a stolen identity. And that's only the tip of the iceberg! More than just medical treatment is at stake. Once a thief's medical information is entered into your records, it's extremely difficult to get rid of that information. It's conceivable, for example, that at a later date, you'll need a Type A blood transfusion but be given the thief's Type B with dire consequences.

Identity theft of medical records has more than doubled since 2008, as stated in Javelin's 2010 Identity Fraud Survey Report. It's not difficult to imagine the misery that a million Americans have suffered during the past two years when their identities were stolen. And the Poneman Institute, in their National Study on Medical Identity Theft, states that another half million people loaned their insurance cards to uninsured family members and friends. The unsavvy lenders have incurred huge medical bills in this "friendly fraud."

Larry Ponemon says that, on average, it costs $20,000 to resolve a medical identity theft case. Unlike credit card companies,where the banks incur the losses, the victims often have to pay for the fraudulent care and sometimes lose their health insurance or have to pay higher premiums to restore their accounts. Even though there are HIPAA laws to protect your privacy, not all health care organizations have strict safeguards in place.

The risk goes even further: if someone is treated using your identity, your medical records will more than likely be altered and could compromise your treatment and ability to get service. According to Larry Ponemon, "stolen medical records offer a complete dossier to get a passport in a victim's name that could be used for terrorism."

Ways to Protect Yourself:
  • When you receive an Explanation of Benefits from insurers, read it carefully and save - don't throw it away even when it says "this is not a bill"! If a treatment date or doctor's name is not familiar to you, call the insurer and the billing physician to resolve.
  • If your wallet is stolen, contact your insurance company just as you would your credit card company. Don't carry your Medicare card in your wallet. Carry a photocopy and black out the last four digits of the SS#.
  • Urge your health care providers to ask patients for photo ID's.
  • Ask your doctors for copies of everything in your medical files, even if you have to pay for them.
  • Monitor your credit report. If you see medical billing errors, contact your insurer and the three credit bureaus, TransUnion, Experian, and Equifax.
  • Avoid Internet and storefront offers of free treatment and supplies.
  • Ask for a list of benefits paid in your name and an "accounting of disclosures" which shows who got your records.
About the author: To further bulletproof yourself and your business, visit John's blog at www.Sileo.com. To book John at your next event, visit www.ThinkLikeaSpy.com. John Sileo became America's leading Identity Theft Speaker Expert after he lost his business and more than $300,000 to identity theft and data breach. His clients include the Department of Defense, Pfizer and the FDIC. Permission granted for use on DrLaura.com.





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07/27/2010
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Four Secrets toSearching the National Archives
By Phil Stewart
www.pwstewart.com


Do you remember the last scene in the 1981 movie Raiders of the LostArk, when the wooden crate containing the Ark of the Covenant was movedinto that huge limitless warehouse for storage?

After recently completing a short very informal survey, that scene fromthe movie is what a majority folks think of when they are asked todescribe the U.S. National Archives. Scary, isn't it. Properly called the National Archives and Records Administration(NARA), located in Washington, D.C., the National Archives is thenation's record keeper. The latest estimates, nobody is sure ofthe exact total, show that the NARA has in its custody approximately:

billions (that's the official estimate) of machine-readable data sets.
9 billion pages of textualrecords.
20 million still photographs.
7.2 million maps, charts, andarchitectural drawings.
365,000 reels of motion picturefilm.
110,000 videotapes.

All of these materials arepreserved because they are important to the workings of the Government,have long-term research worth, or provide information of value to you -the U.S. citizen.

In an effort to allow enhanced access to many of these holdings, NARAdeveloped the online Archival Research Catalog (ARC). This is thelatest Web-based research tool that provides a portal to the contentand physical descriptions of all its archival holdings. Thestated goal is to have 95 percent of NARA's records input into ARC by2016. At this time, about two-thirds of the holdings have beenloaded into this digital super-catalog, but not all of these entrieshave comprehensive descriptions.

Obviously then, ARC is far from complete. It's dynamic, withcontent updates all the time. A subject that you researchone week may have no hits and then have hundreds the next time you do asearch. In addition, ARC is not as easy to use as your favoriteWeb browser, and it has been known to be rather obstinate. Itdoes not have as much "fuzzy logic" as I would think it should have,but maybe that will be part of the next software upgrade. The ARCmain webpage, www.archives.gov/research/arc,has much more detailed information for your review.

ARC Search Tips

Let's say you wanted to do some research on Charles Lindbergh, thefirst aviator to fly across the Atlantic Ocean in 1927. If youload that term in the ARC search box on the webpage noted above, you'llend of with a list of 126 items. Before you start the laborious processof scanning each one of the listings, I would suggest you try theselittle known search tips.

1.After you get your first list of results, find and select the "RefineSearch" button near the top of the page. This will bring up the"Archival Descriptions Advanced Search" page. Set the "LimitResults" button to 2,000 to ensure that you get the greatest number ofhits during your refined search.
2. Now select the "HighlightSearch Terms" box. This will highlighted in yellow the matchingwords in your search criteria.
3. Scroll down the page until youfind a section called "Type of Archival Materials." You haveeight choices to pick from which will reduce the scope of thesubsequent search; and yes, you can check more than one. In thisexample, let's say you're interested in historical film footage ofLindy for that video production you're editing, so you'd deselect allthe types listed except for "Moving Images." This will narrow your nextset of search results to motion picture and video items.
4. Then click on the "Searchbutton" and you should find a list of 77 film titles for your review.

So, whatever you're looking for in the NARA, try using ARC to find it.If you use the four secrets mentioned above you'll have a better thanaverage chance of finding what you are looking for, if it exists in theracks and stacks of the National Archives.

Phil Stewart is aretired Air Force officer, specializing in the videoproduction. He then opened a video production company, worked asa television director, and currently manages a multimediafacility. Mr. Stewart volunteers as a motion picture filmresearcher for the National Museum of the U.S. Air Force. He'sauthored four books and three articles on the motionpicture films held within the National Archives. Visit
www.pwstewart.com for more information. Permissiongranted for use on DrLaura.com.

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07/27/2010
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Purchasing andPreparing Lamb:
The Basics You Need To Know
Provided by theAmerican Lamb Board
americanlamb.com


The family is coming over for a festive spring dinner but you don'twant to serve yet another casserole#133;How about Lamb? It seems soelegant, but it really is easy, especially if you are armed with thebasics.

What To Look For When Purchasing Lamb:

Lamb is widely available in grocery stores and gourmet food retailersacross the country. When shopping, look for American Lamb as ittypically yields more meat on the bone than imported lamb. Also, mostAmerican lamb is fed mixed grains and grasses giving the meat a milderflavor than its European counterparts. When shopping for a cut, lookfor meat that has a soft pink to red coloring with white marbling.

How to Store/Freeze Lamb:

Fresh lamb should be stored in the refrigerator or freezer immediatelyafter purchasing. Refrigerate fresh lamb at 40 degrees Fahrenheit orbelow. Ground lamb or stew meat should be used within 2 days. Lambchops and roasts should be used within 3 to 5 days. If you plan tofreeze lamb for long periods of time, be sure to wrap the originalpackaging with airtight freezer wrap or place in an airtight freezerbag to prevent freezer burn. To maintain optimum quality, frozen lambshould be used within 3 to 4 months.

How to Thaw Frozen Lamb:
  • In the refrigerator - oncefrozen lamb has thawed in the refrigerator, lamb roasts and chopsshould be used within 3 to 5 days and ground lamb or stew meat shouldbe used within 1 to 2 days.
  • In cold water - leave frozenlamb in its packaging, making sure it is air tight. If not, transfer itto a leak-proof bag. Keep the lamb submerged in cold water, changingthe water every 30 minutes to continue thawing. Cook lamb immediatelyafter thawing. It should not be re-frozen unless cooked first.
  • In the microwave - As withthe cold water method, when frozen lamb is thawed in the microwave, itmust be cooked immediately. It should not be re-frozen unless cookedfirst.
CookingLamb:
  • For those that don't have alot of experience cooking with lamb, determining when it is done is thebiggest challenge. An overcooked rack of lamb is an expensive mistakeand carving into an undercooked roast can be an embarrassment at adinner party. Don't rely on guesswork - a good meat thermometer willprovide reliable results. DO NOT cut into a roast or chop to checkdoneness. Use an instant read thermometer to give you a quick, accuratereading.
  • Lamb, like any cut of meat,always benefits from rest before serving - the rest allows the meat'sjuices to settle. Give thin cuts like chops five minutes before servingand allow 20 minutes before carving roasts. Keep in mind, as the meatrests, its internal temperature typically rises 5 to 10 degrees. Removelamb from cooking heat when the thermometer reads 5 to 10 degrees lessthan your desired temperature.
  • To ensure lamb remains safethroughout cooking, the USDA makes recommendations for safe cookingtemperatures.
For recipes and approximatecooking times for use in meal planning, visit americanlamb.com. Permission granted for use on DrLaura.com

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