Tom Ward is the lead author of "The Power of Living By Design." Tom is a retired Operations executive having contributed to several Fortune 500 Companies including Frito-Lay, Campbell Soup Company, Bristol Myers-Squibb, American Woodmark and Newell Rubbermaid. H. Perry Curtis has held management positions in the investment, real estate, education, and telecommunications industries. A professor of business and noted speaker at numerous personal development, personal finance and investment seminars, Mr. Curtis is also the author of "How Is My Champion?," and over 120 articles on investment, fina...