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Executive Summary Severe overspending habits can be highly resistant to change because they share many characteristics of addictions. Prochaska's Stages-of-Change Model has been used effectively in treating addictions and has been helpful in debt counseling. This article explains the Stages-of-Change Model using language easily accessible to financial advisers and their clients. Five stages of change are described in this paper: denial, ambivalence, preparation, action, and maintenance-along with the client's potential slide into relapse. The article provides guidance for assessing the overspending client's readiness to change and describes techniques for moving clients toward lasting success in controlling overspending habits.

As we sidle into 2012, the same old questions will greet us. They're about a world that's rapidly changing and about our ability or inability to change with it. Let's face it. The cat's out of the bag, but some of us are still trying to lure it back in.

There are plenty of sites dealing with the use of the apostrophe in English, but many people just want a quick answer to a question that arises in the course of their work.  The following examples show correct usage for questions that arise frequently, and apply equally to British English, American English, Australian English and New Zealand English. A general tip for checking that your use of apostrophes is correct is to change the phrase around so that the part before the apostrophe becomes the last word.  If it still has the same meaning, the apostrophe was correct.

Great page with quick references and easy to follow.

Professor Carlo Di Clemente who with Professor Prochaska developed the trans-theoretical stages of change model.

HTML 5 is going to change the internet.

Article behind a paywall, but info worth knowing. No mention of the report itself of course! INDIGENOUS employment statistics are not just bleak, they're opaque and often out of date, making it harder to develop a coherent policy response to the problem. This concern, raised in research to be published today, has prompted key Aboriginal employment groups to call on the federal government to change its approach to collecting employment data for indigenous Australians.

Chart and explanation based on Di Clemente and Prochaska's work