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Stephen Lesavich, PhD, JD, (www.slesavich.com) is a serial entrepreneur, a technology expert, an intellectual property attorney and an award-winning author. He is the founder of the Lesavich High-Tech Law Group and Coconut Avenue, Inc., book publishers. Stephen has a PhD in computer science and worked professionally as a software engineer. He is the co-author of the award-winning book, The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards (www.theplasticeffect.com) This book received an Independent Publisher award, a gold medal, judged the best new book in the finance/budgeting category. In addition to his regular column in Positive Impact Magazine, he writes a weekly blog under the same name (http://cocoave-media.info/blog/).