First off, I want to mention that, for most people, getting six pack abs is not an easy task. It requires dedication, but it is possible! Below is a general 2-step guide that, if followed religiously for 3 months, will produce results.
Step 1: Nutrition
This is the single most important part of the puzzle, hands down. You can have the most impressive set of abs, but if they’re covered with a layer of fat, you won’t see them! Break up your day with 5 or 6 mini-meals because this jump starts your metabolism. And stop eating the food that is preventing results: white bread, loads of pasta, soda, candy, fast food, hydrogenated oils, sugars and fructose corn syrup.
Instead, replace them with foods that will help you reach your goal: oatmeal, olive oil, whole grain breads, fruits, vegetables, nuts, eggs, natural peanut butter, chicken, fish, protein and water. Be realistic- you’ll slip here and there, but make a conscious effort to radically improve your eating habits because getting a six pack will be impossible if you don’t.
Step 2: Exercise
You need to concern yourself with 3 different exercises: cardio, weightlifting and ab exercises. And aim to workout 3- 4 times a week.
The cardio you do can be anything: walking, running, biking, swimming….whichever cardio you don’t mind doing so that you’ll stick with it. Aim for 30-45 minutes, a minimum of 2 times a week.
Weightlifting is important because 3 pounds of added muscle burns as many calories as a 1 mile jog…and this is while you’re just sitting around! Aim for 30-45 minutes, a minimum of 2 times a week. If you’re confused as to what exercises to do for each body part, check out out the following website. It features professional bodybuilders, but the information is great and can be used by anyone.
The last exercise you need to incorporate into your workout is ab exercises. Aim to work your abs a minimum of 3 times a week. There are a ton of different ab exercises you can do so try to find 3 or so that you enjoy doing so you can mix it up. A good database of different ab exercises is:
Tip: mix up your workout routine every 2 weeks to keep your body guessing and changing. Add or take away different weight or ab exercises, or at the very least, vary the weight, reps or form of cardio you do.
Well, there you have it. Follow the above for 3 months religiously, and while results will vary from person to person, you will experience improvement.
It will take dedication on your part, but imagine the feeling you’ll get when you look in the mirror and like what you see.
John and Mary live in a nice five bedroom home located in California. They’ve lived in their three thousand square foot home for twenty five years and are retired. Their home is paid for and worth about $900,000. They live off their retirement and have hardly no bills to pay. John and Mary have always had a homeowners policy to cover their home in case of fire, theft or other potential losses involving their home. Mary is age 75 and John is age 72. They hope to someday leave their home to their adult children.
On a nice spring day, Mary went to run some errands in her vehicle around her neighborhood. She pulled into the parking lot of her local grocery store. For some reason, after Mary parked her car , her foot slipped off the brake and hit the accelerator instead. Mary’s car went through the wall of the grocery store. Her vehicle continued through the wall of the store and she collided into two pedestrians who were standing in line with their grocery carts.
Both of the pedestrians were rushed to the hospital due to the severity of the injuries they sustained from Mary’s car striking them. Mary was upset about the accident and did not know what she should do. She called her insurance agent the same day of the accident and her agent took her information to start processing her claim.
Months later after the accident, Mary and John found out that the damages filed by the two pedestrians injured from the accident, exceeded the auto insurance liability limits that they carried with their insurance company. John and Mary found out from their adjuster that they would be personally liable for any money damages which exceeded the liability limits that they carried.
The adjuster also told them that the pedestrians attorney did an asset check to see if Mary and John owned property. The attorney found out that they owned a home and would be expecting them to contribute additional monies towards the settlement of the pedestrians claims in addition to the auto insurance liability limits that they carried.
Mary and John were devastated and did not realize that their home the most valuable asset they owned was at stake! They worked all their lives for their home and could not believe that it may be at risk due to the accident. John and Mary did not know they may have avoided contributing monies towards the pedestrians injury claims if they had excess liability coverage or an umbrella policy!
What is excess liability coverage or an umbrella policy? This policy would be liability coverage which would exceed your homeowners or vehicle policy for damages you may be liable for.
The cost of excess liability coverage or an umbrella policy is very minimal for the amount of additional coverage you would receive. You can expect to pay somewhere between $150-$400 annually for this coverage. Consult your insurance company for details. Remember, excess coverage is important for you to consider if your assets are substantial, especially being a homeowner. This extra protection may give you better peace of mind in the long run and will be well worth it!
Everybody hates to lose and unfortunately no one is blessed with the ability of foresight, therefore losses are an unavoidable part of trading. When we enter a trade we will either be right, or wrong, and even if we broke-even we’d still be classed as being wrong – as nobody enters into a trade just to break-even! When unsuccessful traders encounter a string of losses they begin to engage in self-destructive patterns that help them escape the pain they are experiencing.
Bring to light these self-destructive actions that can help you realize what you are doing before it takes hold of your physical health. If you find yourself already engaged in these patterns hopefully this article can help you to get you back on track as quickly as possible.
What are the destructive patterns?
If you find yourself caught in a string of losses or a bad performing week/month be sure to monitor your behavior. It is during this time that you will be at your most vulnerable. You will begin to indulge in activities that at first seem harmless, but upon excessive use (or in time), begin to cause physical damage to your health.
Ask yourself the following question: during drawdown periods do I find myself over-indulging in these activities:
Food (especially junk food – e.g. chocolate, ice-cream, chips)?
Sex (includes viewing pornography)?
Drugs (includes excessive smoking)?
Laziness (find it difficult to wake up in the morning)?
All of the above taken in excessive doses can be detrimental to your own physical health (some even in small doses!).
These activities above during your losing period are only covering up the pain of confronting the true issue, and your body tries to rid the emotional pain by trying to “fix” it with physical pleasures. Unfortunately it is going about it in the wrong way, so what should you do?
Firstly… REALIZE WHAT YOU ARE DOING AND STOP IT!
You need to realize what you’re doing and you need to STOP doing it immediately! You can either decide to stop, or you’ll be forced to stop when your body eventually breaks down and prevents you from any form of movement. It will be much more beneficial to you in the long-term if you can decide to stop *NOW*.
Once you have stopped you now need to figure out a way to solve the pain – not by cutting out or neglecting it, but by staring it in the face. Bring your problems out into the light, be honest with yourself. There can be no growth without pain; you are experiencing the emotional pain, now it is time to find the error and therefore your growth.
Begin Your Review
The review process begins in two separate areas: You & Your System. Here are some checklists for you to go through to find out where the problem could lie:
“YOUR SYSTEM” CHECKLIST
Was your system thoroughly tested prior to trading it (or paper traded if you do not have the capacity to program your system into back testing software)?
Did you test with out-of-sample data?
Do you even have a system???? If you do not, how do you even know if the method that you are trading is even profitable??
Is your system’s code correct?
Did you over-optimize your system? (What have we discussed about over-indulging?)
Did you paper trade your system prior to placing capital on it?
Did you trade with a small amount of capital prior to placing the rest of your funds on it?
Do you know the system’s limitations?
Did you properly drill your system? (See our blog article on why I am the system designer from hell)
Is the current drawdown you are exhibiting with your system normal?
Are you comfortable with your system’s historical drawdown performance?
Are you fully aware of the risks involved with your system and the instrument(s) you are trading?
Are you trading with funds that you are comfortable risking?
Are you relying too heavily on your performance?
Have you set realistic goals?
As you can see there are generally two areas that you need to explore: the mechanical aspect – your system – and the emotional aspect – you. Both can be responsible for making the way you feel the way you do. It will either be an error on the system’s side with how the system was tested and/or programmed, or it can be your own psychological profile not being comfortable with the system’s performance.
Your Answers = Change = Your Growth
What steps should we now take? Now that we have begun a corrective process where we have stopped the evil nature of our over-indulging ways to take control we should continue our “corrective nature” by invoking our findings and taking ACTION in correcting our errors.
If the problem was mechanical – fix it, if the problem was emotional either go about setting up new thought patterns, or change your current system. The answers lie in whether you need to expand your knowledge in system development, or whether you need to grow emotionally as a person.
Unfortunately there is no easy road, and even if there was everybody would be doing it. Hopefully this article has made you ponder over some of your behaviors during drawdown periods, be sure to keep an eye on yourself and as always take care of your body, because there’s no use in making all the money in the world when you don’t have the physical capacity to enjoy it
There are many people that want to figure out how to save money and get discount car insurance in Illinois. Since it is so important to select the right insurance for your car, these tips will help to assist you in getting the car insurance that you need without putting a huge hole in your wallet.
First of all you should do a lot of comparison shopping both online and with local insurance agencies. The internet is a rich resource of information for those that are looking to find out how to save money on car insurance in Illinois. You can compare several different car insurance plans in a relatively short amount of time. You just need to fill out all your information as accurately as you can in order to get the most accurate car insurance quote. Another route to take is visiting local insurance companies and ask them any questions that you might have regarding, which is the best insurance policy to get for your vehicle. Be absolutely sure to ask any local insurance agent what if any special discounts that they offer to those looking for car insurance.
You should have a really good idea of what type of car insurance is going to meet your needs and do not feel pressured to purchase a specific car insurance policy if you feel it is offering more coverage then what you feel that you need. If you do not like how you are being treated by an insurance company then move on to another one, good customer service is just as important as a quality car insurance policy.
Should you decide on full coverage car insurance, keep this tip in mind, the larger the deductible is on your car insurance policy the smaller your monthly payment will be.
Taking a defensive driving class can also lead to discounts on your car insurance and if you have teenage drivers in your house there are many car insurance companies that offer breaks on automobile insurance if your child has good grades.
These are just a few of the great ideas you can put to use while looking to find discount car insurance in Illinois. The more research time that you put in before buying a policy the better the chance that you are going to find just the coverage that you need for your car at a very reasonable price.
A home owner insurance feature becoming widely popular among Georgia home owners is replacement cost coverage. You may want to research this feature before you start shopping for your Georgia home owner insurance quote.
What is replacement cost coverage?
Simply put, with a home owner insurance policy, replacement cost coverage will cover the entire cost of repairing and replacing your home and property, as long as the materials you use are the same, or similar, as those in your home before the damage. In other words, if your kitchen flooring was linoleum, your replacement cost coverage most likely will not pay to have hardwood floor installed in your kitchen.
If you are confused about a certain material, ask your home owner insurance agent for help determining if it is a material similar enough to your old material for your replacement cost coverage to pay for it.
Is there any fine print I should worry about?
The kind of details you are likely to find with replacement cost coverage deals with the ample time frame in which your Georgia home owner insurance company wants the repairs and replacements completed. They usually determine this amount of time to be 180 days.
All home owner insurance policies carry their own fine print, as do all home owner insurance companies. It is always wise to read the fine print thoroughly and ask your home owner insurance agent to explain any details you are not sure you understand.
So, if I have replacement cost coverage, I can replace and repair my home at no cost to me?
Almost. You have been paying your Georgia home owner insurance policy premiums, after all, right? Plus, you will have to pay your insurance policy deductible before the replacement cost feature takes effect a small amount of money when compared to what your Georgia home owner insurance company is going to fork out to replace and repair your home.
Because investing is not a sure thing in most cases, it is much like a game you don’t know the outcome until the game has been played and a winner has been declared. Anytime you play almost any type of game, you have a strategy. Investing isn’t any different you need an investment strategy.
An investment strategy is basically a plan for investing your money in various types of investments that will help you meet your financial goals in a specific amount of time. Each type of investment contains individual investments that you must choose from. A clothing store sells clothes but those clothes consist of shirts, pants, dresses, skirts, undergarments, etc. The stock market is a type of investment, but it contains different types of stocks, which all contain different companies that you can invest in.
If you haven’t done your research, it can quickly become very confusing simply because there are so many different types of investments and individual investments to choose from. This is where your strategy, combined with your risk tolerance and investment style all come into play.
If you are new to investments, work closely with a financial planner before making any investments. They will help you develop an investment strategy that will not only fall within the bounds of your risk tolerance and your investment style, but will also help you achieve your financial goals.
Never invest money without having a goal and a strategy for reaching that goal! This is essential. Nobody hands their money over to anyone without knowing what that money is being used for and when they will get it back! If you don’t have a goal, a plan, or a strategy, that is essentially what you are doing! Always start with a goal and a strategy for reaching that goal!
Every home needs a home inventory updated at least once a year. Homeowners who live in hurricane stricken areas like Florida, coastal regions of Alabama or Louisiana and Texas are used to putting together a home inventory on a regular basis, but for those homeowners who live in the Midwest or in regions of the country without hurricane season abounding, they may think there is no need for a home inventory. This just is not the case!
No matter what part of the country you live in, a home inventory is a must have because fire, flood, and wind or tornado damage as well as theft or lost property can happen to anyone at any time. Not having your home inventoried can make the process of dealing with insurance agents an absolute nightmare, especially if you are trying to visualize from memory everything that was lost, damaged or stolen in your home while speaking to an insurance agent on the phone. The best bet for making sure your household goods are replaced to the fullest extent, is to keep some type of home inventory to help better replace these items.
There are several different ways to inventory the belongings in a home. Of course one of the easiest ways to inventory items is to get a notebook and pen and walk from room to room writing down anything that would or should be replaced in case of damage or loss. Inventorying items this way can be time consuming, but allows for everything in the room to be examined and approximate values to be determined, which should be included on an inventory list. The next step up from pen and paper would be to write the home inventory on a Microsoft excel spreadsheet or simply in a Microsoft Word file.
If the means are available for more hi-tech versions of inventorying home items, this is probably the best option. Simply turn the date and time stamp on the 35mm or digital camera and go from room to room taking pictures of each room, labeling the pictures with item information once the pictures have been developed.
Many homeowners also use video cameras to go around the house recording what each room looks like at a certain time and date. This is a great way to get a live action shot of what the material items look like at present and can easily be handed over to an insurance company.
A few tips to keep in mind when creating an inventory is to always keep receipts for major purchases and store these with the home inventory. The more you can estimate for the Homeowners insurance company the price and date an item was paid for, the more likely a price near that cost will be given back for repayment. If possible, it is also best to write down where the item was purchased at, the model number and a manufacturer’s name.
As well, it is important to always note the date and time on the inventory, and this is why using a still or video camera is a great idea. Although the Homeowners insurance company is supposed to be on the side of the insured, they will be estimating costs at a minimum to save themselves money. So be smart about a home inventory, so that items will be replaced at full cost and in a timely manner.
Remember that it is not necessary to inventory items that would not be missed if they are lost or damaged, such as a paperback novel or a $10 pair of flip-flops, but if you are a book collector who has an extensive collection of antique books or a shoe collector who has hundreds of dollars worth of shoes, be sure to inventory these items.
Of course large items like furniture, artwork, appliances, electronics, large sports equipment, and large outdoor equipment should absolutely be inventoried. It is probably wise to also inventory or at least photograph clothes, home interior accessories, tool sets, kitchenware, and even workout equipment, but the major rule of thumb is to know the value of your own personal property to determine if it is worth adding to a home inventory list.
After the home inventory is created it should be placed somewhere other than the home. This could be stored at a family member or neighbor’s home, although the safest place for a home inventory list is in a safety deposit box or a fire and flood proof security box.
Before you depart for your country of destination, make sure you are covered by adequate travel insurance. This is done by first surfing the Internet for the best type of coverage to suit your budget. Next is to read the fine print, disclaimers, and other clauses that would matter a lot if, by any misfortune, you are constrained to make a claim. Columbus Travel Insurance promises affordable rates because of cutting out the “middleman” and eventually, the commissions.
Established in the year 1988, Columbus Travel Insurance helps you save money by selling directly to you. They will also go out of their way to give recommendations on your insurance needs, talk with insurers for your insurance covers, and coordinate with underwriters for the arrangement of travel policies.
Columbus Travel Insurance also informs you of the very important vaccinations you need to be aware of when planning trips. They will also provide you with a comprehensive checklist of the most important things you need to take into account when taking out a travel insurance policy, plus invaluable travel tips.
Apart from checking out the different packages from Columbus Travel Insurance, such as their Single Trip or Annual Travel Insurance Packages, you must also conscientiously put all your valuable documents in order. Your passport and the needed visas must be current and your itinerary should be made known to at least two other trusted persons.
Moreover, avoid carrying cash in large amounts. Opt for travelers checks and credit cards when traveling, and always keep them close at hand. You should also make use of safety deposit boxes whenever you’re staying at hotels or inns. The hotel management usually does not claim responsibility for any losses, so it’s best to find ways to keep your documents and jewelry safe.
Columbus Travel Insurance packages typically cover the usual items such as missed departures, travel delays, curtailments and cancellations, or delayed baggage. There are also provisions for personal liabilities and hijacks. Make sure that all the details are explained to you and that you are aware of any and all disclaimers attached to the policy.
For instance, Columbus Travel Insurance has a disclaimer which states that as a client, you have a duty to disclose all the facts which may affect their decision of accepting the insurance risk. If you withhold any vital information, it is highly likely that your insurance cover could be considered invalid. For more info see http://travelinsurance-help.com on Tip Insurance.
To help you make the right decision in choosing the best travel insurance within your budget, check out consumer reviews online. There you will find feedback on Columbus Travel Insurance and on packages from other travel insurance companies as well.You can also find more info on Trip Cancellation Insurance and Trip Insurance. http://travelinsurance-help.com is a comprehensive resource to get information about Travel Insurance.
How can I get affordable health insurance if I’m unemployed?
There are many ways you can obtain affordable health insurance, even after you’ve become unemployed. Check into COBRA, converting your former group health insurance plan into an individual health insurance plan, or a state continuation plan in which you can continue being covered under your previous group health insurance plan for a certain period of time.
What if my last job didn’t offer health insurance?
There are a few reasons why some employers don’t offer health care benefits. Since employers aren’t legally required to offer health insurance, not all do. Plus, if you work part-time, you usually aren’t eligible for your employer’s health benefits package.
If your last job did not offer health insurance benefits, you most likely won’t be eligible for assistance such as COBRA, conversion, or state continuation. You can, however, contact your state’s department of insurance to find information about any affordable health insurance plans they offer for unemployed individuals. You may also want to ask about your eligibility for state-sponsored health care, as well as Medicaid.
Are there options for unemployed people to get help with prescription medications?
Yes. Many companies that make and distribute prescription medications have special programs to assist those people who need prescription medicine but can not afford it otherwise. If you know your particular prescription medication company, contact them for more information. If you don’t know, contact your state’s department of insurance for help.
How can I find affordable health coverage for my children?
It is important your children keep continuous health insurance coverage. If you’re able to take advantage of COBRA, conversion, or state continuation, be sure to do so. If not, make sure you ask your state’s department of insurance specifically about state health care programs for your children. Depending on your income and assets, you may be eligible for free, or very low-cost, health insurance for you children.
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