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...expect to realize much from this legal offensive. Most see the Internal Revenue Service as the go-to place for lost monies, with at least three years of back taxes being recoverable. The next best hope: the Securities Investors Protection Corporation, which was set up for just such fraudulent behavior among securities brokers. It's unclear how much money SIPC has for victims, and payouts are notoriously slow. But there are reports it may offer between $100,000 to $500,000 per victim, provided one can prove they were part of Madoff's madness - no small task for those...

Author: /time Magazine | Title: Madoff's Victims: Finding Meaning in the Devastation | 12/30/2008 | See Source »

...idea that once you cheat, you've blown it, so you might as well binge. In traditional 12-step programs for addiction, that line of thinking is encapsulated in the slogan "A drink equals a drunk." But understanding and overcoming AVE, says Marlatt, is crucial to conquering a problem behavior or dependency in the long term. You have to know what to do when you fall off the wagon to learn how to stay on it. (See the top 10 food trends...

Author: /time Magazine | Title: Why Falling Off the Wagon Isn't Fatal | 12/30/2008 | See Source »

Indeed, because of the way the brain is wired, each time an addict lets an urge pass without engaging in the unwanted behavior, it weakens the neural connections that underlie the desire; each time he or she rewards the craving with the bad habit, the brain pathways, and the addiction, are strengthened. It helps for people to remind themselves that if they can resist an addictive urge once, it will become easier and easier to do it again in the future...

Author: /time Magazine | Title: Why Falling Off the Wagon Isn't Fatal | 12/30/2008 | See Source »

Also, says Marlatt, "most people think that if they have urges or cravings, there's something wrong, that you're not supposed to have them." In fact, they are a normal part of habitual behavior. "Notice and accept them," he says, and be mindful of when and why they occur. Most relapses happen when people are stressed or experience negative emotions, or are exposed to people, places or circumstances that are associated with addictive behavior - old drinking buddies, for instance, or the morning cup of coffee that was always paired with a cigarette. These triggers can't always be avoided...

Author: /time Magazine | Title: Why Falling Off the Wagon Isn't Fatal | 12/30/2008 | See Source »

...what you are doing. O means observe: think about what you are sensing, feeling and experiencing, and what events led to the situation. B is for breathe: take a few deep breaths. Then, expand your awareness and remind yourself of what will happen if you keep repeating the unwanted behavior and how you will feel afterward. R stands for respond mindfully: remember that you have a choice, that you are not powerless, and that you don't have to continue the undesired behavior...

Author: /time Magazine | Title: Why Falling Off the Wagon Isn't Fatal | 12/30/2008 | See Source »

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