JOEL FOTINOS is a vice-president and publisher at Tarcher/Penguin, spiritual success coach, and author of The Prayer Chest, Multiply Your Blessings, A Little Daily Wisdom, and The Think & Grow Rich Workbook. He is also a licensed minster with the Centers for Spiritual Living, and just published his latest book, My Life Contract: a 90-day Program for Prioritizing Goals, Staying on Track, Keeping Focused, and Getting Results.