These are important facts to bear in mind because, from the point of view of the disaster therapist, psychological debriefing seems to work stress levels genuinely drop. But what the individual therapist can't see is that this would happen more effectively, leaving less people traumatised, if they did nothing. To put icing on the rather grim cake, researchers also asked patients whether they found the technique helpful as they walked out of the door.ESPN's Ron Jaworski (23%) made a charge at the end to nab best game analyst for the first time. Jaws narrowly beat NBC's Cris Collinsworth (22%). Collinsworth previously lost a close race to Phil Simms of CBS last year.

2. Establish an Emergency Fund This is money set aside for an unanticipated expense, like a job loss or accident. In all likelihood an emergency is not a matter of if but when.Clinton McCracken, a research scientist who specializes in addiction, learned this lesson the hard way. In 2010, he published a caution