Sunday, May 19, 2013
The Secret That Eyewear Companies Don't Want You to Know About (The Secret YEROC Email that I am Sharing with you)
Monday, March 18, 2013
I decided that I am going to post a daily Coritamin post to enhance your mind, body, and beautiful soul.
Make sure you take your Coritamins every day!
Make a commitment to living a more frugal lifestyle this year. And remember, the word frugal isn't a bad word! It comes from the same roots as the word "fruit"; it has to do with finding and keeping life's richest gifts, rather than wasting them.
Monday, March 4, 2013
Do you know how insignificant things become if you have $1,000, $2,000, or $5,000 sitting in the bank?
While the amount held in rainy day funds can vary widely between individuals, a common recommendation is $1000. That's enough to replace a broken dishwasher, pay for minor dental work or get your car checked out. It even might be enough for a month of rent or a few bills. But how do you get that first $1000?
Here are some ideas for quickly building up an emergency fund:
- Take on a side gig: If you don't have enough money to build an emergency fund, why not make more money? It doesn't have to be a permanent second job and it need not be glamorous or terribly exciting either. Some ideas include working a temporary or seasonal retail job, doing mystery shops, or picking up odd jobs such as babysitting or yard work. Just remember to put all that money into your emergency fund and not into your pocket!
- Use a windfall: Perhaps you expect to receive a tax return this year or an annual bonus from your workplace. This is a great opportunity to build your emergency fund. Using money from a windfall means you can instantly have money stashed away, with no extra effort or budgeting.
- Sell your stuff: Unless you've always been a minimalist, most people have stuff lying around the house that they rarely, if ever, use. Why not make a bit of money, clear out some clutter and beef up your emergency fund in one fell swoop? Take a look inside your garage and closets and try to identify items that could be sold on eBay, Craigslist or garage sales. Then, take that money and add it to your emergency fund.
- Budget for it: When all else fails, you can stash away a little bit of money every month into a savings account. Even $50 a month would get you $600 after one year. It'll take you longer and you'll probably hit some bumps along the way, but eventually, you'll have a healthy emergency fund saved up.
Tuesday, January 15, 2013
YOU ARE ALLOWED TO SAY NO... but you may need some help getting started if this is difficult for you. It all boils down to the concept of self-worth and believing that your time is of value to YOU. When you are constantly saying yes to everyone else and putting yourself at the bottom of your own priority list, you will be the loser in your own life.
Here are some tips to get started.
Rather than thinking about saying NO to others... re-frame it to think about saying YES to yourself. This simple switch will reduce the guilt trip. The moment you take yourself more seriously and value your own priorities and goals to achieve each day, others will start taking you more seriously as well. You teach others how to treat you, so if you want a different result to always feeling like the doormat-take different action
SIMPLY - get over yourself! Harsh but true. Stop thinking that you need to be all things to all people. Whilst this seems wonderfully generous, you will come off second best and land up having nothing to offer. This will lead directly to the idea that you do not value yourself in the equation, and every time you say yes to others when you really ought to be saying no, you will land up feeling resentful, angry, used and taken advantage of. So give up this need to feel bad about yourself and to make you feel needed and important through being everything to everyone and nothing to yourself.
Use a buffer line as a standard response from now on when still learning the art of saying no. Try this out for practice... when someone asks you to do something, you can say; "I would love to help you out but I need to check my diary and I will get back to you tomorrow". That way you do not say YES as your standard answer, and create a pause for you to assess if you want to do it or not. Be aware you normally say YES out of habit.
Never say an outright NO as this can feel horribly foreign to you and rude to the other person. So always start your answer with "I would love to but am unable to right now". And remember that you do not ever need to give reasons or excuses as to why you cannot do something for someone else... give up the need to justify your life.
Have patience with yourself. Just because you want to say no doesn't make it easy!. Remember you are learning a new skill that's foreign to you. It can help to acknowledge the following - "even though it is really difficult for me to say no without feeling guilty, I am going to value myself enough to say no anyway" This can help you remember you are chartering new territory and the moment you do NOT expect it to be easy every time, it will help you keep moving forward. In no time at all it will become second nature for you to discern when to say yes and when to say no from your inner guidance as opposed to guilt and habit.
So go out and practice, practice, practice, and let me know how you do with this new skill!!
Tuesday, January 8, 2013
So much has been written about budgeting. Too much advice and tips have come to our attention. But the thing is, are you really following it? Have you put your heart and soul in your budget plans? Here are some helpful tips to make your relationship with money easy.
Know the exact amount of your earnings. If you know exactly how much you are earning, you will have an idea on how much money you just have to spend. Find out how much you need for your day to day expenses including loan payments
Write everything.. Food, rent/mortgage, car repair, loan payments, gas allowance, electric and water bills, etc. This way you will find out which is higher in value. Live the belief that there will always be enough of everything. Subconscious makes big decisions. You want to start training your mind.
Create a budget. Is your income enough to cover all your expenses? If not, cut out on expenses that you can. Living within your means is the key to financial success. Create a budget that will suit your income. Don't forget to include savings in your budget. It could be as little as $20 every payday. Don't make the usual mistake of other people in budgeting; what others do is like this:
Income - expenses = savings
Don't you think it would be better if you do it this way?
Income - savings = expenses
Include yourself in your budget. Once in a while you will need to relax and have some fun. Bring the whole family to a vacation or treat yourself to a home service SPA. There is nothing wrong with this as long as you stay within your budget.
Work the budget and be aware where your money goes. When people think of budget, what they see are pain and restrictions. Just like a diet. Do you realize what happens with most diet plans? They don't seem to work for a long period of time! If you implement a budget that is too restrictive on your spending, I am almost 90% certain that it will not work. However, if you need to put a restriction in some areas, it will take some time of adjustment to this.
Remember your goals so you will have the courage to stick to your budget. Think instead of the satisfaction you get when you reach those objectives. When a spur of the moment purchase attacks, get more pleasure in knowing that you are reaching your budget goals.
Money Circulates Freely. Believe that money is circulating freely in our lives if only we know how to manage it properly. What I am trying to point out here is that, do you really know what you want in your life? Are you willing to create that kind of life for you?
Gone are the days of believing that only the rich have special powers. What we must learn is what drives the rich to success. I believe that to be successful, someone has to be energetic, willing and focused. It is not about the right timing, right place, or mere plain luck. It's all about attitude and mindset that we have concerning our financial lives.
Believe that you can be financially successful. This is the most important thing. Set aside the myths and wrong beliefs that money is just made for other people to enjoy. Forget about the breakdowns of yesterday, start living TODAY. Move forward one step at a time and financial success will be yours.
The truth is; all of us possess what it takes to be financially successful. Oprah and Bill Gates are already there and yet they still don't have all the money. Both of them are very successful at being themselves. Therefore, if we are all good at being ourselves, we also have the potential to be financially stable.
Remember, you have what it takes to make things happen. Develop that relationship with money. You are the one with wisdom so it's you who will control money, never let money control you.
Go forth and be abundant!
What you can do to make and keep wealth is dependent upon your connection with money. Similar to anything else, money is a kind of energy which can be drawn to the power that's like on its own. Your relationship along with anything establishes the amount of that thing you might be bringing in or rejecting.
Monday, January 7, 2013
Do you know that what each of us desires and needs is to be acknowledged, accepted, and validated for exactly who, what, and where we are in our lives at any given moment?
To emphasize this, try reading this out loud:
"I am amazing, beautiful, and wholly perfect exactly the way I am and exactly where I am right now. Everything in my life is happening for a reason and is working out perfectly. I am on my own perfect, unique path of evolution and experience. All the good and all the bad, all the wins and all the losses, all the ups and all the downs. It's all part of me and my perfect life - EXACTLY the way I am and it is."
Doesn't that feel good? Now, imagine saying this to someone else. People are starving for acknowledgement and acceptance, including ourselves. I accept and fully acknowledge you for being your amazing, beautiful self, EXACTLY as you are, and I encourage you to do the same, for yourself AND others.
In this article, we explore how it's true that our lives are perfectly unfolding, and how embracing this fact is one of the most powerful things we can do for experiencing our mojo. We will also look at one of the most common beliefs that keeps us from doing this.
Here's a great place to start: embrace exactly where you are as perfect for you at this moment of your life. You can enact a feeling of appreciation, gratitude, and even love, for who, what, and where you are in life. You do this because it is the most powerful way to relate to any moment you experience. Why is this? Because doing anything else is resisting the moment. By definition if you are not embracing or allowing, you are resisting, and this removes you from the present moment. It keeps you in a nonexistent fantasy world where the "problem" doesn't exist and therefore this perpetuates whatever it is you are resisting.
Think of the game we call "Tug-Of-War." For that game to work it requires both sides resisting the energy of the other. As soon as one side stops resisting - boom! - game over - there is no game. This is exactly what happens in your life. You stop playing the game (resisting) and the game is over. While resisting you have no choice, you have to exert a large amount of effort to try to overcome your opponent. When you stop resisting you create options. In the game of tug-of-war if you let go, your opponent will fall on their bum, and at that moment you could walk away, you could walk over and offer a helping hand up, or any number of actions. You are free from the struggle, effort-full, and time-wasting game of resistance.
There is another powerful reason to begin embracing exactly where you are as perfect for you in your life at this time: it is a very high realization, and affirmation, of the divine perfection of the Universe. When you resist where you are in your life, you are basically saying "there is something wrong with reality, it should be different than it is. I know how it should be and this is not it." Talk about passing negative judgment on reality! Again, this is resistance to reality and will only cause struggle.
Very often people believe embracing the moment, their experience, or their life exactly as it IS, means they must capitulate, give up, and not care anymore. This would then mean the likely perpetuation of the undesirable situation or experience. If this is true for you, notice you believe that resistance and negative judgment of something is necessary before you can change it. Consider it a new way: change can happen from acceptance and non-resistance. Just because you accept and embrace something, does not mean you want it and have to perpetuate it. These are two totally different things. Come to realize that you can totally accept and embrace something, AND work to change it. Come to realize the most powerful change is sourced from acceptance, not resistance.
There is never anything wrong, no matter how it may look, there is always opportunity in every challenge, and in hindsight, everything is always working out.
Hasn't everything happened in your life for a reason? Hasn't it all turned out and made you who you are at this point in time? And if it looks like it hasn't "all turned out" I can practically guarantee it will over time. So if it's true that everything is always turning out - no matter how it may look - then it's fair to say that your life is turning out right now, and is in each and every moment. In fact, it never is not turning out. So relax, trust this fact, and allow your life to just turn out!
"the supreme law of our divine nature determines perfectly our relations with each being and with the totality of the universe, it also reveals the exact rhythm of the direct expression of the Divine in us."
~ Sri Aurobindo
Get out a blank sheet of paper and write down everything you are grateful for in your life. Do this until you can't think of anything else. I bet you'll be surprised at just how much great stuff there is in your life and just how much you take that for granted every day. Notice how you feel after doing this exercise.
Friday, January 4, 2013
Effective planning and controlled spending enables you to manage your money easily. The most common barrier to proper money management is overspending or buying what you can't afford. Good money management tips will help you save because you will only buy what you actually need. Below are simple money management tips that will help you to manage your money wisely.
Record All Your Expenses
Keep track of everything you have bought and bills you have paid. Categorize the different items you have bought so that you will have a clear picture of how much you have paid for everything you bought. This will allow you to know how much you are spending on each category and where you can cut back.
Keep Track of Your Net-worth
Your net worth is everything you own after you have subtracted all your debts. Unknown to most people, your net worth is closely determined by your expenses. If your net worth decreases, you should watch how you spend your money. If you cut your expenses, your net worth will increase; you therefore get motivated to spend more wisely.
Start Investing Today
If you have extra cash, invest it and watch as your investments grow. In addition to that, your investments will earn interest and you will get to reap the benefits in time. The main advantage of investing is that you will have peace of mind because you know that you have invested in your future.
Save Your Money
Financial experts advise people to save at least 10 percent of their net monthly income. Saving helps you to spend your money wisely as you get to spend only what you have.
Purchase What You Need
You should adopt the habit of buying only what you need and not what you want. This will prevent you from buying what you do not require.
Avoid Using Credit Cards
Credit cards will make you spend more so you should use it when you really need to. Use a credit card that has low interest rate just in case you are unable to settle your monthly debt on time.
Check Your Bank and Credit Statements
Credit card companies and banks may make mistakes which could cost you a lot of money. If you doubt the figures in your statement, contact your bank and your credit card company and clear any doubts you might have regarding what you owe.
Diversify Your Income
Look for alternative methods of increasing your income as this will ensure that you are financially stable. Blogging is one of the easiest ways to make extra cash, furthermore, you will be blogging about what you like doing.
Buy Your Home as Opposed To Renting
Buying your own home is an investment which you will get to enjoy for years to come. Renting is more expensive in the long run and the worst part is that you will be contributing to someone else's investment.
Tuesday, January 1, 2013
With the price of petrol continuing to rise faster than inflation rates and the world's economy still teetering on the brink of financial ruin, many people are prioritizing food and shelter over filling their car up with gas. However, following a simple set of rules can help make your car more efficient and ultimately, save you money. This article looks at six simple tips that you can follow for becoming a more economical driver.
1. Don't Feel the Need to Speed
It may sound obvious to some, but it takes more energy to start and get a car up and running, than it does to keep it cruising at a constant speed. Your car will therefore always be at its most economical when you're not slamming on the brakes or putting your foot down on the accelerator pedal.
Driving faster uses more petrol. Speeding the car up requires more juice for the engine, which means more is burnt up. Keeping your car at a constant 30 miles per hour on city roads and at 70 on motorways and highways will result in a better fuel consumption. This can easily be achieved by leaving your car in the highest gear and cruising, rather than constantly changing up and down gears.
Another way to save fuel, is when driving up to traffic lights on red, slow down and cruise towards them in the hope that they'll turn green by the time you get there. This will negate the need to stop and start your car up again, enabling you to save energy and petrol.
2. Lighten the Load
A heavier car will consume more fuel, as the engine requires more power and energy to get up to speed. Therefore, remove unwanted baggage and cargo from your boot and passenger seats and drive with as little on board as possible. The lighter the load, the more economical the drive.
3. Improve your Aerodynamics
There are a number of small tips and tricks you can follow in order to make your ride more efficient, saving you those all important liters of petrol.
One of the easiest is to make your car more aerodynamic. This can be achieved by losing the roof rack or your bicycle rack from the car and keeping your windows closed while you drive. An open window makes your car less aerodynamic and increases its drag. As you drive, air gets pushed in through the open windows and pushes against the car, causing resistance drag. Therefore your engine has to work harder to increase the car's speed.
Unfortunately, if it's a hot summer's day, switching on your car's air conditioning (AC) system won't improve your fuel efficiency either. This is because a car's AC is powered by its engine, which will subsequently need to work a little harder to keep it going at the same speed.
4. Be Kind to your Engine
Your car's engine needs looking after just like your teeth or your family pet, so taking it in for regular servicing will improve its efficiency. Having the oil changed as well as getting new filters will improve the engine's performance, thus making each liter of petrol work that little bit more efficiently.
5. Keep your tires inflated
Making sure your tires are pumped to their regulation pressure is a simple and cost-effective way to save fuel. A fully inflated tire will reduce its contact area on the road and therefore decrease friction.
It's perhaps the most obvious tip here, but sharing a ride to work or to the shops is the best way of cutting your fuel budget. A number of carpooling websites have opened to make the process of sharing lifts and the cost of motoring that little bit easier.
Sunday, October 28, 2012
2. Give new habits time - weight loss and change doesn't happen overnight. It often takes 6 months for revamped eating and exercise habits to feel natural or almost automatic. Make it a point to make one small change daily, like eating 2 more serves of veggies, eating less treats or going for that run today. A change a day should be your aim.
3. View sweet treats wisely. If you want to shed pounds, you can't have big calorie sweets - cakes, cookies or candy - whenever you like. Find a low calorie substitute that you can have every day or better still, impose a once a week limit on the rich desserts.
4. Whole grains - like bulgur, amaranth, buckwheat and barley - are delicious and healthy. New nutrition studies revealed that they cut heart disease risk by 21 percent and diabetes risk by 30 percent, and that antioxidants in grains reduce inflammation in the body, protecting against diseases like asthma and arthritis. What's more, they're rich in fiber and B vitamins. And on top of all that, whole grains are digested slowly, so they keep you fuller longer, helping you keep your weight in check.
5. What you need in your everyday meal - fiber, protein, carbs and good fat. The rule of thumb - the more natural the food, the more wholesome it is for you. Foods like fruits, veggies, fish, poultry and wholemeal foods are all great.
6. Don't Super-Size the food. It may sound like a great deal to get fries for an extra dollar, or the jumbo smoothie for a quarter more - but switching from a large order of fries to a medium, for example, can save you 100 calories! And when at home serving dinner, put away those jumbo dinner plates, instead go for salad sized plates, and no more.
7. Plan to have 6 health meals a day - but eat in controlled portions, say 1 plate serve only. Load your plate up with plenty of veggies and lea meat! And get your dose of fruits in between!
8. Get moving - any exercise is a good start. Once you start to build up your fitness, you'll be amazed at how quickly you feel the benefits of a healthier body. You'll have a lot more spring in your step, and the compliments you'll get will have you wanting to step out even more.
9. The Best Workout to lose lots of weight - Turbulence Training! Why? It's short (around 45 minutes), very effective, can be done at home and designed with research proven workouts to help you lose body fat and build muscle at the same time. Best of all, the total body workout are suited for both men and women - and doesn't require any fancy equipment.
10. Post your mission online - create a blog featuring your picture and announce your intentions to get in shape. Post a link in a fitness forum, and challenge yourself for the whole world to see. That way, you are made accountable for your own actions. And promise yourself to upload a new picture each week - create additional pressure to finish the job!
Saturday, October 27, 2012
A high carbohydrate diet does more harm to a person’s body. Not only does it result in weight gain but also makes a person feel lethargic and drowsy, bringing his activity levels.
How to Lose Double Chin
• Throw your head backwards gently till you feel a strain on neck. Push your lower jaw forward and backward. This must be done whenever you are exercising or whenever you get the time, as many times as you can.
• Check your posture while sitting or standing, as an improper posture can also be the reason behind a double chin.
If done regularly, these exercise which are simple to follow, can help in defining the frame of a person’s face by making his cheekbones and jaw line more prominent
Friday, October 26, 2012
You have to drink lots of water to stay hydrated. Drink at least nine 8-ounce glasses of water a day. Drink more than that if you are an active person and always exposed to the sun. The thing is our body has a natural protective system. When you do not drink enough water, the body will naturally think that you are stranded in a dessert and have not enough water. As a result, it will store as much water as it can to keep you living and there is when you will get bloated. Vice versa, if you drink enough water, the body will flush out all the unnecessary water because it knows that the system has enough water. Stick to plain water. Sodas and sugared drink would not help because they contain sugar and will lead to bloating too.
Lose Face Fat Step 2: Do not forget your fruits and vegetables!
Stay natural and eat at least three servings of fruits and three servings of vegetables every day. This will not only fill you up with less calories and help you stay way from junk food, fruits and vegetables also contains water that can help you stay hydrated. Plus, they are filled with fiber that gives many health benefits. Make your self a healthy fruit salad for snack instead of a chocolate bar. Choose your fruits carefully though; control the amount of bananas, grapes and pineapples because they are high in fructose. Go for apples, oranges, all sorts of berries and grapefruit because they are low GI carbs and they packed full with anti oxidants.
Lose Face Fat Step 3: Reduce the alcohol
It does not matter what alcohol you drink. Wine, brandy or beer, alcohol is still alcohol. Alcohol can cause a good amount of bloating in the body because it really dehydrates the body. It can also add inches in you belly and under your chin because one gram of alcohol contains seven calories! That is almost like drinking fat! A five ounce glass of wine has 100 calories, that means a little drinking a little bit can add inches in your waist.
Lose Face Fat Step 4: Bump up the calcium
A lot of studies have proven that taking at least 1200 milligrams of calcium from dairy if possible daily can help in fat loss. There is also a study that showed that half of the females in that study experienced reduced symptoms of PMS including water retention after consuming 1200 milligrams of calcium. So, do not eliminate dairy in your diet, have some in moderation.
Lose Face Fat Step 5: Calories out more than calories in.
This is the golden rule of fat loss. In order to lose weight, you have burn more calories than you consume. So, the easy and healthy way to do this is to burn 250 calories and reduce 250 calories from your food intake. The reason to reduce 500 calories a day is because we need to hit a reduction of 3500 calories a week and that will result to healthy recommended weight loss of one pound of body fat per week.
To burn 250 calories, just go for a simple walk or jog for 30 to 40 minutes. To reduce 250 calories, just eliminate all the junk food and excess fatty foods from your diet right now and I am sure you can reduce 250 calories. Eat healthy and eat with a mind to feed your muscles and body with good fuel!
Lose Face Fat Step 6: Control Your Salt Intake
Salt is another culprit of water retention. That is why when you snack with junk food that is high in sodium, you will feel every thirsty and your face will bloat up the next day. Avoid foods like pizza, burgers, junk food, chips and other similar foods because they are loaded with salt! When eating out, be careful of the gravy, some gravy use a lot of salt. Eat home and prepare your own food when ever possible! Sprinkle your salt, do not use your spoon, that way you can really control the amount of salt that goes into your food!
Lose Face Fat Step 7: Go For Weight Training
You have to weight train to maintain and increase lean muscle tissue. With more muscles packed in your body, your metabolism will increase and you can burn more calories and fat! Plus, with more muscles in your body, you can burn more calories while you do your cardio and even while rest because muscles are living tissues and require calories to function and survive! For optimum fat loss results and to lose fat on your face, you have to diet, do your cardio and also weight train.
So, if you want to lose fat on your face, the main objective is to lose weight. By losing body fat, you will look much leaner and have a much more cut features because fat and water under the skin is reduced
Thursday, October 25, 2012
Chapped lips are the result of our lips being too dry. Chronic chapped lips can result from nutritional deficiencies and dehydration, or over exposure to sun or cold and windy conditions. The explanation for severe and chronic dry lips is that our skin has lost its moisture retention capacity. As a consequence, our lips become easily chapped. The chapping further reduces the moisture retention capacity and this vicious circle results in the problem becoming chronic and increasingly severe Avoid licking your lips.
Saliva evaporates rapidly and digests the slim membrane protecting lips, leaving lips drier than before you licked them. Because sunlight vulnerability can dry and blow the rind, take a lip ointment or salve containing sunscreen to defend the lips from detrimental rays. Medical care should be sought if symptoms continue without advance. Your doctor may select to dictate antibiotics or may regard prescription handling for dermatitis.
Primary Causes of Chapped Lips
Exposure to the seasonal elements - Dry air, wind, sun and/or cold temperatures can wreck havoc on sensitive, unprotected lip tissue.
Contact dermatitis should be considered and may be stemming from allergies and/or topical irritation.
Medications could be a factor. Suspect any newly started medications as the potential source of irritation.
Signs and symptoms of chapped lips
Your lips may be:
Treatment of Chapped Lip
Some common treatment of Chapped Lip :
Apply lip balm or petroleum jelly. You can also try coating your lips with skin moisturizer, vitamin E oil or aloe vera gel. These greasy products help keep your lips properly moisturized.
Drink plenty of water to prevent dehydration.
Keep in mind that cracks at the corners of your mouth can indicate riboflavin deficiencies; you can treat this with vitamin B-2 supplements.
Use a humidifier to moisturize the air in your home, helping to prevent both dry lips and skin.
Use an oil-based lubricating cream, such as Aquaphor Healing Ointment, or lip balm containing petrolatum or beeswax.
Choose a lip cream or balm that contains sunscreen. Sun exposure contributes to chapped lips.
Treat chaffed, chapped and scaling lips overnight with a homemade ointment mixed from 1 tsp glycerine, 1 tsp lemon juice and 1 tsp castor oil. Spread on lips overnight, refrigerating the leftovers for future use.
Add humidifier(s) to your home. Lips, hair, nails and skin all thrive in humidified air.
Add a coat, when you wear a coat - Keep lips shielded against the elements with a coat of petroleum jelly, balm (non flavored, without phenol or camphor) or Aquaphor ointment (a celebrity favorite).
Seal in the moisture. Right after the compress, apply a thick coat of an emollient ointment like Vaseline or a lip balm containing waxes or lanolin to hold the moisture in.
Step up to cortisone. If a week of compresses and emollients don't do the trick, you can add over-the-counter 1 percent hydrocortisone ointment to your regimen. Use the hydrocortisone under your emollient ointment. Try this for two weeks.
Wednesday, October 24, 2012
You need to have a solid commitment and knowledge to get nice muscle tone and build an attractive muscular body. Here are some muscle building tips. Before you commence weight training, remember to warm up and as well as doing some stretching exercises.
•Train Muscle With Free Weights
Machines will have its uses, but for a start, concentrate on free weights. That means work almost exclusively with barbells and dumb bells. Free weights recruit many stabilizing muscles for balance and control. That means you will work a lot more muscle parts other than the intended ones. That will give rise to little bumps, striations and definitions all over your body instead of one huge lump of muscle on your intended muscle. Because of the extra stimulant created, your muscles grow faster too. Why else do you think all professional body builders almost exclusively use free weights?
•Train With Compound Exercises
Incorporate as many compound exercises as possible to your routines. Compound exercises are exercises that involve 2 or more joint movements. Because they utilize more joints, which means greater muscle mass are involved. Greater muscle mass means heavier weights. Heavier weights mean encouragement of greater muscle growth. More muscle growth means more tone to your muscles.
Some excellent compound exercises are the Squat, Deadlift, Chin ups, Dips, Bench press, Barbell Press, Lunges, Bent-Over Barbell Row...etc.
•Train Intensively But Do Not Over train
You must train intensively for your muscle to grow. Try to do more reps or add more weight than the previous session or else your muscles will think (actually muscles don't think, they adapt), "Ah... we've done that. Nothing new, so no need to grow bigger and stronger." That being the case, you will wreck your chances of attaining an attractive muscular body.
Because of this, it is important that every time you train hard, you give your body time to recover as it has suffered strains and actually sustained many small scarring. Contrary to popular belief, your muscles grow when you rest, especially when you sleep and not in the gym. So sleep at least 8 hours a day. Also, do not train everyday or work the same muscle group more than once or twice a week. If your training was vigorous enough, do no more than an hour per session.
Try not to do cardio work on the same day as your weight lifting work. In fact, during the muscle building phase, you should do less cardio work as aerobic exercises burn muscles. You can increase your cardio work at cutting body fat phase, so as to lose body fat in order for your muscle tone to show up nicely.
•Technique And Form
This is the most neglected fundamental of bodybuilding. Everywhere, everyday, you will see people using wrong forms and techniques. This not only compromises your growth, it will also make you susceptible to injuries... sometimes even permanently putting you out of the gym.
Wrong form occurs usually when people try to lift weights that are too heavy, whether out of vanity or ignorance. As a guide, always lift with strict focus on the muscle you intend to build for that exercise. Feel it contract and extend. Lift the weights deliberately and slowly. Never ever swing your weights up especially when doing bicep curls or the military press.
•To Build Muscles Fast You Must Perform Lower Body Exercises!
This is what most people don't realize. Your lower body makes up 60-70% of your musculature. If you don't train them, not only will you look spider-legged, your entire body will not grow as quickly and as large.
Don't think that you can hide those skinny limbs in pants! Most people do not train their legs because squats, dead lifts and lunges can be very grueling exercises. But it is precisely because of such intensity that you will produce more growth hormones when you sleep and overall muscular development is stimulated. Your body shape will also be more balanced and therefore more attractive.
Do read up more to understand how your muscles work and then work on it so that in no time you will be a proud owner of a well tone attractive muscular body.
Friday, October 19, 2012
Everyone wants to get money fast, but there are a lot of scams out there that take advantage of that fact. Obviously, you should investigate any "get rich quick claims" about any plan. However, there are several safe ways that you can get money fast.
1. Rent out a room in your home. People are always looking for affordable accommodations, and you don't need to invest much more money than you already have in your house. This option can be especially lucrative if there is a college nearby, as students always needs housing.
2. Clean out your house. You may be able to get money fast by selling items you never use. Sell stuff on EBay or Craigslist and/or sell items for your neighbors who don't have the knowledge or time to sell online. For example, you could find a neighbor who is looking to get rid of their car and offer to list this car for sale on websites, for a fee. Many people don't know how to do this.
3. Consider taking up dog-walking and/or babysitting. These are simple services, and it's easy to find someone who needs them simply by talking to your circle of friends. A lot of people are working longer hours now and have less time to take care of their dogs or need someone to watch their kids until they get off work. If you like children or pets, this is the perfect way for you to get money fast.
4. Offer handyman help for neighbors, especially elderly ones. Many people have small fix-it jobs and would rather deal with a neighbor than go through the effort of finding a reliable contractor. Elderly neighbors often have tasks that it is hard for them to do themselves, such as mowing the lawn, or, in colder climates, shoveling the driveway.
5. Check if someone in your neighborhood has sold their house and is moving. Offer to help pack or move boxes. Ask for a moving day and be home; if they don't think they need help initially, but change their mind, they can ask you on the day.
6. To make money - save money. Start using coupons and shopping online before you go to the store. Online coupons can save you hundreds of dollars and get you free shipping on items that are cheaper online than in the store. It won't matter if you get money if you don't spend it wisely afterward.
7. Open a credit card with real cash back rewards. Some credit cards offer 5% cash back for gasoline. Don't forget to check the rewards on your current card. And, of course, be careful how you use the card.
8. Be a tutor. There are many ways to do it, including Skype. If you don't have skills in a particular subject, see if somebody wants to learn your language and needs conversation to practice. With many businesses operating internationally, it is increasingly important to know multiple languages, and there's no better way of practicing than conversation with a native speaker.
9. Check job websites for summer jobs. Many types of businesses need additional help over the summer months. There are also employment agencies that specialize in a type of arrangement where you can get paid at the end of the workday, so you can really get money fast rather than waiting weeks for a paycheck.
10. Post your profile on an online employment platform. There are platforms out there for any type of employment skills you have, and it can often be easier than submitting your portfolio to many businesses individually. If you are discerning in the platform you pick and highlight your best qualities, you often have a better chance of being hired than you would only submitting to local companies. Many jobs now can be done via telecommuting, so by using an online employment platform, you are able to apply to jobs that would be too far away to commute to.
Thursday, October 18, 2012
The envelope budget, sometimes called the envelope method or system is the practice of managing household expenses through the use of cash envelopes. Dubbed "Grandma's way to handle money" by Dave Ramsey, this depression era method of budgeting is still as effective as ever.
Yes, the modern versions of the envelope budget are readily available online in programs like Mvelopes but they cost money. The focus of this post is on the traditional envelope method which is FREE!
How to set up an envelope budget
Step 1: Tally up actual spending from the previous month
Gather up all your credit card, bank statements, invoices and receipts from the previous month. If you can get two or three months worth of information that is better but one month will do for now. From your statements, invoices and receipts take note of everything you spent money on (i.e. variable expenses only) during that period then add them up into four or five broad categories.
For example, you might add up all the times you bought gas for the month and put it into a category called "Transportation". Any money spent on anything related to transportation goes into that category (this would include things like gas, motor oil, tune ups etc.) You might have another category for "Groceries", every time you spend money at the grocery store it would be added to this category and so on.
This will be the basis of your envelope budget categories.
* Do NOT include fixed payments or expenses in this calculation. Expenses like your mortgage, car payments, utility bills etc should be left out of the budget.
Step 2: Draft and finalize your list of categories
Your envelope categories can be as broad or as narrow as you want, its up to you. If you want many categories you can use the broad categories from step 1 and expand them until you're satisfied you have the right number of categories for your envelopes; on the other hand you might be happy sticking with four or five broad categories for now, you can always add more categories later if you need to. This is not an exact science, just do what feels right.
* It's better to keep it down to just a few categories, your budget will be far easier and less time consuming to manage than if you use a lot of categories (ten or more).
Step 3: Label and fund the envelopes
Now comes the fun part! Label your envelopes and fill them with the cash amounts you calculated in step 1. How often you get paid will dictate how much to put into the envelopes. For example, if you get paid bi-weekly then you will be funding your envelopes every two weeks. The cash in each envelope will have to last until your next pay period.
Step 4: work the envelope system
With your envelope budget now complete, its time for the real test - putting it into practice. You should not expect the perfect budget on the first pass or even the second try. It will take a a lot of trial and error before you finally find the right mix and develop the perfect envelope budget.
Here is one last point to remember as you work the envelope system:
Give it some time - As I mentioned previously, the envelope budgeting system is not perfect or exact but it will work if you give it a chance. It may take you several tries before you finally perfect your budget. the key is to just keep tweaking and changing it until you do get it right.
Wednesday, October 17, 2012
If you want your budget to succeed over the long term there are eight things that might have an affect on your effectiveness to hold fast your budget. Identifying and conquering these things is essential to stay on the right track and achieving your budgeting objectives.
1. Neglecting to set an objective - A budget with no a goal will quickly fizzle out. You cannot truthfully expect to stick a budget for any period of time if you have not set a goal for it. Budgets are just like weight loss programs, they are simple to get started on but tricky to follow through to the end. You have to have constant inspiration - the objective you determine for your budget is your main source of encouragement.
2. Inability to make room for stimulation - Let's be truthful, daily life on a budget is not very exciting. Take away the pleasure and you'll dislike it a whole lot more. Main point here, save room in the budget for all the things you love and sit up for. You are much more apt to stick to your budget over the long haul if you can still enjoy yourself. Though it inevitably brings about living on a budget for a longer period than you had initially planned for, leave room for all the things you love inside your budget.
3. Over budgeting - Over budgeting is where you scale back too much from your budget, more or less depriving yourself of necessities in an effort to achieve your ultimate goal faster. This results in something I call "budget burnout", when that happens the budget goes right out the window. Bottom line, it's fine to scale back some but not so much that you're literally depriving yourself of what you require.
4. Sizeable sudden expense - Of course you aren't able to foresee when emergencies or unplanned obligations will come about; what you can do however is prepare yourself in case that one actually does happen. This is why it pays to get an emergency fund in place. An emergency fund should cover the unanticipated extra expense, your budget should be untouched and also you will not have to add additional debt unnecessarily.
5. Outgrowing the budget - You have obtained your goal and have finished everything you set out to accomplish with your budget. Congratulations! Budgeting has gotten you this far, so why not carry on? It's time for you to expand your horizons, think of a bigger, broader goal for yourself.
6. Unattainable goals/expectations - It's hopeless to keep to a budget that you set unreachable objectives or expectations for. You are usually just setting yourself up for frustration. You have to make a purpose for your budget that's measurable and most of all, plausible.
7. Neglecting to keep tabs on expenditures - Not monitoring your spending is the equivalent of shooting yourself in the foot. Tracking your expenses could appear challenging but it's not really. Understanding exactly where the money is going keeps you in control and makes it far easier to continue inside the limitations of your budget.
8. Giving in to impulse - This is often sort of a hard one to get under control, you just never know when you are going to be enticed. If you sense the need to shop or expend money impulsively try to use the need vs want rule (ask yourself "do I need it or do I just want it?"). If that fails you could also use the 2 day rule in which you wait a couple of days, if you sill feel that you NEED it following two days - go on and buy it.
Monday, October 15, 2012
There are things you do that can help you to save money now but will cost you more eventually. Do you ask yourself how that is even possible? Discover more!
1. Doing your own taxes
Many people use either free or paid software to save money on an accountant. These software programs are fine and work well as long as you need a basic tax preparation only. However, if your situation is a slightly different then it is much better to hire an accountant who can find deductions and tax exemptions about which you and the software did not have an idea. It is true that some software programs may take deductions and exemptions into consideration but you need to know what you can legally deduct before entering it. Therefore software program can save you big money initially but your personal accountant can save you much more on the long run.
2. Buying the cheapest products
Cheaply made, poor quality items may save you couple of pounds in the short term, but you will have to pay more money later to replace them. For instance if you buy a cheap pair of shoes, you can be sure that you will need to replace them pretty soon. Buying a cheap pair of shoes again and again will not help you to save money. Be wise when shopping, you do not have to buy brand items, buy well-made products with good rating instead and save hundreds of pounds.
3. I will be back in a sec!
Not paying for your parking ticket because you will be back in a sec can actually cost you a lot of money. No matter how quick shopper you are or how a good runner you are. Sooner or later you will get caught if you try to avoid paying for your parking ticket. And in high probability, it will happen sooner than later.
4. Driving around to get cheaper petrol or other items
Think twice before you start driving around the city in your car just to get a couple of deals. Yes, you can save a couple of pounds on the items bought but you will also spend more on petrol. Moreover, it will cost you more free time; you will have to put more wear on your tires and use up oil life as well. So is it really worth it to save couple of pounds on your shopping when you actually spend more on your petrol and wear out your car?
5. Buying food in bulk
Buy one get one free deals are so hard to resist and can save money! But stop here for a moment. Will you manage to use all the food or will you end up throwing half of it away? Buying in bulk can be good in a number of ways but not if you buy perishables which you only throw away later.
Sunday, October 14, 2012
To save money on the maintenance of your car, you need to do the following regularly without fail. That way, you could save 20%-30% on your cost of car maintenance annually.
1. Ensure your car is road worthy.
Many people drive cars that are not expected to be on the road again, either because of the ages of the cars or their poor maintenance records. A car is a machine, and just like any other machine, it has an economic life span depending on its maintenance records. It is always advisable to rest any car that has become too expensive to maintain. The bottom line is cost. You can always trade in your old beat-up car for a newer model if the cost of maintaining it has become prohibitive.
2. Tune up your car regularly.
This should be done at least once a month. A poorly tuned-up car uses up to 30% more gasoline each year. It is cheaper to pay for and regularly tune-up your car than to let it be. This you can do at your regular car maintenance garage if you can not do it yourself. Your regular car maintenance Engineer or Mechanic may even at times tune-up your car for you free of charge.
3. Regularly change the oil and oil filter in your car.
It is not enough to just change the oil, you must ensure you use high grade oil as recommended by your car maintenance Engineer. Follow the owner's manual religiously and change your oil at 2000-4000 kilometers of regular driving depending on the make of your car. More frequent oil changes play a very significant role in extending the life span of your engine. Any time you change oil, ensure the oil filter in changed too. These oil change expenses will more often than not pay for themselves in savings on repairs and engine wear.
4. Check your tire pressure regularly.
Tire pressures should be checked at least once a month. Low pressure tires cause "drag" in your car which makes it to require more gasoline to maintain speed. You can lose up to 4%-6% in gasoline mileage for every pound of under-inflation. Compared to the cheap cost of keeping your tire pressures inflated to recommended standards, gasoline loss through low pressure tires is considerable.
5. Check your engine air filter every month.
A dirty air filter shortens the engine's life and reduces gasoline mileage up to 10%. You can clean up the filter by removing it and blowing accumulated dust particles off it with an air hose, or you can replace it when you notice significant damages to it.
6. Use only recommended tires.
Ensure you use the right type of tires for your car as recommended by the manufacturers. Alternatively, steel-belted radial tires have a wide acclaim for safety so you can use them but you must make sure such tires are not expired. Using good tires with the right tread and radial size can increase your gasoline mileage from 5%-10% per year. This amounts to plenty of savings.
7. Check fluid levels regularly.
These should be checked every morning if the car is old and once a week if fairly new. Low battery water shortens your battery's life. Radiator coolants, automatic transmission fluid, brake and clutch fluids are fluids that must be available and in the right viscosity and gauge to enable your car function properly. Any one of these fluids that is short or empty can lead to improper functioning of your vehicle. That can expose it to brakes failures and other problems which could lead to engine damage or even crashes. Engine damage is by far more expensive to repair than these routine maintenance checks.
8. Use only recommended gasoline for your type of car.
Unless your car is so old and completely beat-up, it is proper to use unleaded gasoline. Even though in many advanced countries, there are various grades and prices of gasoline, a costlier gasoline adds no specific advantage except it is your car manufacturers' preference. Take the advice of your car maintenance Engineer because for most cars, premium gasoline offers no significant benefit. Unless your car has a high-performance engine or your car manufacturers recommend high-octane gasoline, use the less expensive one. You can save 5%-10% on fuel costs annually if you use the right fuel that is of lower cost.
9. Ensure your car tires are balanced.
You can add thousands of kilometers to the life of your tires by having them balanced twice a year or even more often if you drive regularly on rough roads. In addition to destroying the tread, improperly balanced tires can wear out your shock absorbers and damage your suspension system, leading to higher expenses or even accidents.
10. Ensure your car tires are properly aligned.
Check your tire alignment regularly say about four times a year depending on the type of roads you drive on. Poor alignment leads to uneven wear on such tires particularly the front tires. It can reduce the life span of tires and may expose them to other more dangerous damages. Compared to the cost of buying new tires regularly, the cost of regular tire alignment is insignificant.
Budget stretching is inevitably everyone's concern these days. Saving costs therefore particularly on essential and regular expenses is a smart thing to do particularly in these hard times. You can save plenty of money on your car maintenance expenses if you take these tips to heart. That aside, it is good to think safety all the time even while lowering costs.
With fuel prices increasing dramatically it is not surprising people start to wonder how to save. The truth is that we all need fuel, and that the price of fuel is the price of fuel. One of my current jobs is as a duty driver for a company and I try to drive safely and economically. What people don't want to hear, is that the way you drive, dramatically effects your fuel usage. Changing your driving style can save you fuel, and money.
Good driving is a habit, and like all habits it requires practice to establish. These tips will help you to build a good driving habit.
Aggressive driving and excessive speed is a fuel waster. Avoid rapid acceleration and hard braking. Driving fast between traffic lights means you burn fuel to create energy to accelerate, and then wear your brakes to lose that energy as friction to stop. You lose both ways, fuel consumption and brake wear. Keep to the speed limit or the traffic flow speed and look ahead to see what the lights are doing. Adjust your driving accordingly.
Bring the engine to normal operating temp as soon as possible by driving with a light foot on the accelerator for the first few minutes. A cold engine uses more fuel and wears more. Try to avoid driving short distances that do not allow engine to reach optimum temperature.
Keep to speed limits, not only to avoid the cost of fines, but a car traveling 120km/h uses 20% less fuel than at 140km/h. While on the topic of speed, posted signs are not only the law, they are practical. A civil engineer lays down a road surface with a certain speed range in mind. The kind of gravel used in the surface, the way the layers are compacted and the drainage, (among other things) all relate to the planned speed range of that road.. Keeping to the speed limit for a given road surface makes for a safer ride and a saving in fuel consumption.
Check tire pressure frequently, at least once a week. Do this when the tires are cold. Besides the danger of the tire bursting, under-inflation leads to increased wear and drag from incorrect tire pressures increases fuel consumption. Make sure that you inflate the tires to the pressure specified by the manufacturer, for the speed and the load you are driving with. See your vehicle manual. This is especially pertinent if you usually drive short distances and are now undertaking a long journey.
Avoid using the air-conditioner when not required. The aircon compressor places an additional load on the engine. At high speeds, it is better to have the aircon on, than to have it off and windows open. According to research, the drag of open windows uses more fuel than the air-conditioner.
The best driving habit of all, is to think ahead, to have a plan and to adjust your driving style to the prevailing road conditions as you travel.
A well maintained vehicle will save you fuel. Service your car as recommended by the manufacturer. Fuel wasters related to the condition of the vehicle are;
Worn or dirty plugs
Incorrect spark plug gap (on older vehicles)
Dirty air filter
Dirty oil or clogged oil filter
Wheel alignment that is out
Happy driving everyone!