JANUARY GET STARTED – START AN EXERCISE LOG

>Jot down your goals, activities, and accomplishments in a notebook. Weight and measure yourself and write those numbers down. Keep records consistently so you can track your progress.

>Invest on a stopwatch – it will help you consistently keep track of your routines, and help you push yourself as far as you can go. It also lets you know when it’s time to stop and take a breather.

Blast those calories – doing cardio exercise is one good way to lose weight. It increases your breathing and heart rate, as well as conditions your heart and lungs. Do your cardio exercises thrice a week. Start with light walking around your neighborhood or even at the mall. Walk for about 30 min at a leisurely pace before gradually picking up speed in the coming days to increase your endurance. Alternate light walking with some speed walking. “Before you do your walking, make sure you haven’t just gotten out of bed. You should have done some light work already”. If you plan to walk in the evening, be sure to put on some light colored clothes and shoes with reflectors for safety.

Flatten that tummy basic crunches – bend knees at a 45 degree angle. Lie down flat, hands on back of the neck and raise your shoulder blades up to two inches off the floor. Your neck should be relaxed, not strained; chin and chest shouldn’t touch while contractions should be felt on the abs alone. Do three sets with 20 repetitions every day for beginners, every other day for those who need toning.

Enjoy – find the places where you can enjoy your walk. Exploring your surroundings on foot is an invigorating experience.

Eat Healthier – Limit eating sweets and salty food starting this month and add fiber into your diet with fruits and vegetables…….

"GET FIT IN 2009"

THE BASIC

Warm up correctly – before engaging in any strenuous activity, be sure to warm up first. This will prevent injury.

Warm up right – If you own a treadmill or a stationary bike, warm up for 10 to 20 min before engaging in more intensive workouts. Prepare your muscles using a 5 to 10 min stretching routine:

>HEAD extend your left arm to the side at shoulder height, and then press your head towards the opposite direction using your right hand for 20 seconds. Do the same on the other side.

>SHOULDER raise your right arm then bend your elbow behind your head. Using your left hand, grasp the right elbow and press down for 10 seconds. Repeat on the other side.

>CHEST extend your right arm across your chest with your right hand towards your left side. From below, use the left hand to press your right elbow towards your chest. Hold for 10 seconds. Do the same on the left arm.

>BICEPS extend your right arm forward, palm up. Bend the palm downward using the left hand and hold for 10 second. Duplicate the action with the left arm.

>LEGS bend your right leg behind the left leg and hold the right foot with your left hand for 10 second. Repeat with the other leg.

Cheapest car insurance

If you registering you car one of the requirements is car insurance it’s a mandatory requirements. Car insurance rates depend on the type of your car. Car insurance companies have varied criteria for calculating premiums. If your are a car owner not careful you could end up paying twice or even three times more that what you should. Considering also the type of coverage, condition of your car, driving history and also your age are some factors governing insurance costs. With a bit of planning you can get low insurance rates or cheapest car insurance.

You can call some insurance company agents or find online and search some top insurance companies, because most car insurance companies have a website like carinsurancerate.com website. There are so many different policies offer. Answer honestly and to the best of your knowledge all the question, personal as well as car related, asked by insurance companies or agents. You should also receive your quote in just a few minutes. Collect information about the premium charged by different car insurance companies for same kind of services, especially the risks covered. Be sure that you have a clean credit history, In order to get the car insurance company discount and promos……

"No sneeze and snooze"

Do you catch yourself sniffling and sneezing constantly, with no relief from cold medication? An allergy might be causing this reaction. Some common allergens are weeds, flowers, pollen from trees and grass, dust, pet hair, and mold. There's wirtually no escaping these - especially in your bedroom - so it's best to minimize your exposure to them.
Invest in bed sheets and pillowcases that are allergen proof to keep dust mites at bay. Also, wash bedding in hot water once a week, and throw them in the dryer - not on a clothesline outside where they can trap more allergens. Keep windows closed to keep pollen outside, and use an air conditioner. Go for washable curtains because they're easier to clean, and use a vacuum cleaner with double bags for extra filtration.....

What type of card is for you?

Most credit card companies have websites like citi credit card they feature each credit card type they offer, with information on benefits, interest rates, annuals fees, and reward programs. Compare your lifestyle, considering also your monthly income to the benefits offered by each card, until you find your match…

If your family owns a car - you may want to get a motorist card that earns you points and rebates at certain gasoline stations. These cards may also offer emergency road assistance services and special promos on car maintenance.

If you want to avail of medical services, there are card that have tie-ups with hospitals and clinics and may offer free doctors consultations and discount on prescription medicines.

If you’re frequent travelers - opt for credit cards that offer air miles as rebates, which they can use for free trips or upgrades…

If you are a student or teens a debit are is for you this card make easier for the parents to disburse allowance you can just transfer fund from your account to the linked debit cards. Teen or student can withdraw what they need so they don’t have to carry a lot of cash. This way, they learn spending discipline too…

"The better oil"

Olive oil helps prevent heart problems and cancer, and control bood sugar levels and body weight. When used during cooking, it can lower levels of saturated fat is what clogs arteries and spikes bad cholesterol levels.

Olive oil reduce the effect of genes that turn host cells cancerous. It also protect colon, uterus, and prostate gland cells from carcinogens. In diabetics, olive oil lower triglycerides, lessening the risk of heart disease. Take a cue from the people of the Mediterranean, who have the highest consumption of olive oil in the world. Their obesity levels are low, partly because olive oil contains good cholesterol and is much easier to burn off during exercise.

Adjustable rate mortgage

There are several reasons why many people sometimes need avail a second mortgage loan, like home renovations, improving your property, raises finances, start a business or to buy a new property among others. If in case, you take a repayment mortgage and each year for several years you pay a portion of your monthly salary towards reducing the amount, then you will pay off some of the mortgage after a few years.

Availing for second mortgage loan there’s no hard and fast rule that you have to take the second mortgage loan from the same company as you first loan, as an add-on to you’re current mortgage but the same company might offer you less competitive interest on your loan than a new company or lender.

As far as the interest rate is concerned, if it is for a fixed rate, the entire period of mortgage is fixed. Nevertheless, you select variable rate mortgages; known as adjustable rate mortgage, offer by some company or lender with periodic interest rate adjustment. Here’s my conclusion second mortgage are different from first time loans, as they have a high interest rates, are paid back in less time and provide fixed amount on a repayment schedule.

MERRY CHRISTMAS TO ALL

- Myspace Comments

Cheap Auto Insurance

One of the reasons why many people have bad financial habits is that frugality isn’t sexy. The tasks that save you money are generally tedious and time consuming. Finding an affordable car insurance rate is a perfect example. No one enjoys filling out endless forms, searching for quotes and haggling over the phone. “I just saved a bunch of money on my cheap auto insurance” honestly I have beaten every insurance company and every insurance company has been me. Also keep in mind it’s not always about price make sure you know what you’re getting. Don’t just go with the cheapest company go with the insurance company that gets you decent coverage for a good price. Also look at their service that’s very important, like are you going to call and talk with same person every time? Or are you going to be call a different person every time? Maybe that’s not that important to you. Do your research.

It’s tempting to make a snap decision and go with the first company that comes to mind. Unfortunately, this isn’t likely to land you the most affordable car insurance. If you can get past the aggravation and spend a couple hours shopping, it’s likely you can save yourself a few thousand dollars over the life of your car. That works out to an impressive hourly rate, and the experience will help you save on future purchases.

"Eat Smart Tips"

Repent for your sinful holiday partying, and mend your ways by making your New Year's diet resolutions.......

DON'T SKIP - you know it's been said that breakfast is the most important meal of the day. Eat a healthy, nutritious, filling breakfast to keep you from making up for it on your next meal.

AVOID SWEETS - slowly phase out candies and other sweets from your diet. Not only do they tend to be high in calories, they're also bad for your teeth.

GO FRESH - visit the produce section of the grocery and stock up on fresh fruit and vegetables that are sure sources of vitamins and minerals.

IMPOSE A KITCHEN CURFEW - tame your stomach by resisting any late night grumbling. Eating close to bedtime will not give your system time to fully digest all that food.

RESIST TEMPTATION - if you don't have a chocolate bar or a bag of chips just a few paces away, then you will be less prone to snacking on them. Stock up on healthy good that is low in fat and calories.

CUT DOWN - lessen the portions that you consume gradually: if you used to have a cup of rice, get used to two-thirds, then half.

CALL IN THE ALTERNATIVE - these days, low-fat and non-fat alternatives abound. Use low-fat mayo, milk, yogurt, and cheese instead.

GO NATURAL - processed food with all their preservatives and additives are bad, bad, bad. Buy fresh meat and fish from the market instead.

FIBER-FILL YOUR DIET - choose whole-wheat breads, brown rice, and other fiber infused food to fill you up faster and make your snacking healthier.

JUICE UP - instead of drinking alcoholic or carbonated drinks or powdered juices that are high in both sugar and calories, go for fresh fruits juices...

Business Credit Cards

Business credit card is an indispensable tool for handling the operating expenses of a business. A good one gives you a convenient way to make purchases for your business and provides a ready source of short term credit. The records generated by credit purchases also provide a convenient source of tracking expenses data to help for managing your business finances. There are so many credit card companies offering an extensive array of credit and debit card designed specially for the business. If you already own or plan to start a business you probably get the offer, the competition of your business credit card means better deals for you.

A business that provides goods and services also offer business credit card bonus, such as discounts or cash back on purchases. If you a lot of business with one particular company for instance an office supply store and that company offers a credit card you might benefit by getting one.

My tips and advice for making the most of this guide: If you can get a business credit cards early in the process of forming your business (finance your startup), you can use it as a source of capital to buy the things you need to get up and running. Once your company starts making money, you can repay the debt.

"Go on a mini-retreat"

Leading a stressful life? You don't have to go off on expensive retreat to relax and rejuvenate yourself. Make small adjustments to your everyday life and feel a change.
>Breathe easy - air that is highly charged and polluted stresses your body without you even knowing it. Get an air purifier to prevent illnesses like asthma and colds.
>Take a break - instead of taking a coffee break, walk around your office to stretch your muscles and get your heart beating and blood flowing.
>Sit up - even while at your desk, hour your back straight and your head directly on top of your spine, so you won't strain or tax your bones.
>Drink up - replenish your body with water and wash away bad element. Drink a lot of water and juices with fiber to flush away toxins from your digestive tract.
>De-stress - take a minute to be completely quiet. Close your eyes, empty your mind of doubts and worries, zone out.

Second Mortgage

If you are the home owner and you have a plan to renovate your house or you have a plan for your home improvement but your problem is your money is not enough, perhaps you find that all your monthly bills are too much for your budget to handle. In this case, you may want a debt consolidation loan. Whatever your circumstances may be, if you have home and need money, a second mortgage may be the solution to your problem. Remember also, there are other ways to borrow money from a lending institution. You want to explore for the second mortgage installment loans. Although these kind of plan place an additional place mortgage on your home, also second mortgage loan usually have fixed rates and fixed payment amounts.

Your home loan finder will also help you to refinance your second mortgage, find mortgage loans with low interest rates, or find a second mortgage with greater rates. If you want to find some institution offering second mortgage loans I recommend mortgagefindingnetwork.com website they offer many type of second mortgage loan. Also they offer online calculators to let you compare your prospective loans. You can also figure out your savings if were to refinance. If you’re interested in getting a second mortgage loan, I think at mortgagefindingnetwork.com is the right place.

Way to Detox Daily

>Take a lots of water. Eight glasses or more of water help flush out the toxins and replenishes your body.
>Take your daily dose of Vitamin C. It helps the body produce glutathione, a liver compound that drives away toxins.
>Pass on the junk. Fatty food bring in toxins that pollute your body. Cutting down, then eventually giving them up, will rid you of these unwanted components.
>Stop the habit. Give up alcohol, caffeine and smoking. This will help clear your system of harmful elements.
>Brush your skin. Use dry brush to stimulate your skin and help your body detoxify and relax as well. This can also be done though a detox foot bath.
>Sweat it out. Engaging in daily exercise or yoga will get your heart pumping and make your sweat. So will sitting in a sauna. Your pores will release the toxins.
>Take a deep breath. Breathing deeply expands your lungs and allows oxygen to circulate through your other organs, helping them to function better.

No teletrack cash advance

Every now and then we all get strapped for cash. At payday loan you can get a secure online cash advance. With no teletract cash advance you can have the money you need overnight. Application is easy, the company with no teletract cash advance loans no such check is run on applications. It means anyone who has issued identification card can obtain cash advance loans from the company, that something to watch out for.

Teletract is one of the most commonly used systems for checking up on an applicant. Some borrowers with bad credit history are not able to get other loans from banks because lenders of normal loans have teletrack check system in their verification process so any customer with bad credit background is not approved for loan. At no teletract cash advance, easy and hassle free scheme of obtaining loans to manage your financial crisis in more appropriate manners.

Cash advance loans are easier and less hassle than trying to apply for a bank loan or credit card. Your job is your credit. No need to look any further. Don't wait until payday to get the money you need now. No teletrack cash advance loans.

"Supercharge your metabolism"

Your diet more than ever, but don't weight less. Exercise regularly, but still feel flabby. And your once perfectly fitting clothes now seem snug.
If you're nodding your head in agreement chances are you're chances are you're in the over 35 club. Like most members, you probably have a stay slim formula that no longer seems to be working.
If you never had problems losing or maintaining your weight in your 20's or even in your early 30's you may not be ready for what happen next. Your metabolism slows by 5% each decade. Compared to age 25 you'll burn about 100 fewer calories a day at 35 and 200 fewer calories a day at 45. Do nothing, and you could gain eight to 12 pounds a year.
With age, muscle mass diminishes and so does your metabolic rate. Making matters worse, many women unwittingly sabotage their calorie burning potential with crash diets ineffective exercise strategies and other metabolism busting habits.
Don't fret yet. Although there are no magic bullets, there's plenty you can do to boost the number of calories your body burns every day and thus maintain or even lose weight.....

"Weight Gain"

We use eating as a means of handling emotions - be it happiness or sadness "hindi talaga natin intention mag gain ng weight. Tapos yung iba naman, just to pass time". Ours is an eating society - " we always tend to meet friends over lunch, meryenda, or dinner. Delikado yun, kasi di mo napapansin and dami mo na pala nakakain". We are influenced by the eating habit of others - yung iba peer presure, what ever your friend are eating yun din sayo. However, some people have faster metabolism than others, so that they easily burn calories. Other experience the opposite. Many conveniences are now available especially for children, there's TV, gameboy, tricyle or sasakyan. Because of these, kids nowaday don't engage in as much physical activity as before. Bad eating habit are passed on to the children - "this habits are pick up by children" most of the time, parents who are always busy tend to serve unhealthy instant foods, ang qualification nila is the high fats, so madaling mabusog, which is also bad....

Need debt assistance?

Christmas is time for giving. This is what I love during Christmas the sense of giving. This is also the time of financial crises because of over spending could hurt to your pockets. I recommend to the entire shoppers make a practical list or forecast of your expenses this holiday season. But if you don’t have patience much better to consult to debt assistance, it’s a big help to anyone to give advices before spending too much.

Here are some tips you’ll avoid starting the New Year with new debt and the accompanying guilt about how much you spent.

1. Create a budget and a list for holiday spending and gift giving in advance of buying.
2. Establish spending limits for gifts for each person on your list and start looking for bargains early.
3. Separate shopping trips and resist taking cash, credit cards or a checkbook on the shopping trips.
4. Wait for those sales; watch the advertising and sale flyers for items you intend to buy.
5. Make more of your gifts at home. Handmade craft items, special desserts or breads and other goodies can help stretch a holiday budgets.

"Beat stress-related weigt gain!"

Yes, stress could cause weight gain, When your body experiences stress, our neuro-endocrine system, the network of glands that produce and secrete hormones into our bloodstream, releases the hormone cortisol that increases our appetite and energy level. "Your appetite u increases, ultimately driving you to eat more. Our response to stress today is to sit and stew in our frustration and anger, without expending any of the calories or food stores that we would if we were physically fighting our way out of stress or danger, so more stress leads to more food intake, and without burning off the added calories, it eventually leads to weight gain. To beat weight gain due to stress, we need to find activities that relax and calm us as well as eat healthy meals and snacks every three to four hours....

Low cost payday loan

-->When you need an advance payday loan it’s because your life calls for some fast cash payday loans should not only be easy to source but you want guaranteed payday loans so that one more day doesn’t pass before you get your cash. Better yet low cost payday loans should be among your criteria to ease the repayment schedule. At personalcashadvance.com website is a one of a leading lender convenient, confidential and respectful of your circumstances and fact enough to meet your immediate cash needs. The processed completely online from the privacy of your work or home computer.

At low cost payday loan, how does it work? Unlike with banks, car lenders or credit card companies your collateral and credit history, for getting low cost payday loan are simply you and your ability to work. You can obtain the money you need today if you have a job, checking account and internet access or standing in line necessary. For a millions of people the time required to manage bills and creditors distracts from work and family responsibilities. At low cost payday loans are fast and simple, a one and done way to manage financial stress.

"Green tea for a longer life"

Green tea has long been touted for its high levels of antioxidants and other healthy nutrients; now a large study shows that drinking a couple of cup of the beverage daily might actually extent your life. Researchers tracked some 40,000 japanese men and women for up to 11 years and found that those who drank warm green tea daily had lower death rates than those who didn't. "I drink two to three cups of green tea per day and would recommend it to my friend and family......

Shopping Early

I started in early October, saving for the holidays. Each payday I bought several items I need for Thanksgiving. Before the end of November when my gifts and grocery is not enough, it’s a time for me to apply payday loan because I don’t want to shop in rush minutes. I got coupons for most of the items, but little by little, I have almost everything I need for Thanksgiving, except last minute stuff. As far as Christmas, I have done the same thing. I have gone to stores that have lay away and put toys for kids, and other items in. The reason I do this is because it won’t be such a burden come the holidays. We also cut way back on gift giving last year. We do it for the kids, mainly.

We still have garage sales going here, the weather has been nice. I found a Spiderman outfit that still had the tags on it-thirty bucks, got it for five dollars, which included a hoodie, shirt and pants. The holidays are all about family anyway, so we don’t make it a crazy time, just being together and making memories.

"A great night sleep"

It seems so simple: Get in bed. Place head on pillow. Sleep. If only! But sneaky saboteurs make sleep so elusive.

Sleep Busters;
1.A disturbing story - on the internet or a problem that lands in your inbox can set your mind running. Plus, lights stimulate your brain. Shut down your computer to get some shut-eye.
2.Sharing a bed - with a partner makes women sleep less soundly. If your guy snores, convince him to see a sleep specialist most snoring can be treated.
3.If a stuffy nose - is keeping you up at night, you may have a dust mite allergy caused by your pillow. Monthly pillow washings will keep dust mite allergens to a minimum.
4.Knowing how late it is - won't help you sleep. Worrying that you're not getting enough sleep only gets your adrenaline pumping. Turn you clock around so it's not facing you.
5.Major munching before bed - keeps your body busy digesting and less interested in settling down. Try a small snack instead: a bowl of cereal with skim milk.
6.Drinking wine - may help you fall asleep, but indulging in too much alcohol before bedtime will also likely lead to a bad nights sleep and or an early morning awakening.
7.People exposed to cell phone radiation - before bedtime took longer to reach deep sleep and spent less time in deep sleep overall, according to a new study.
8.mattresses wear out - usually in about ten years and stop providing your body the support it needs. The result: Deep sleep may decrease by up to 20%.
9.Have a TV in your bedroom? not a good idea. TV intense light stimulates your brain. Turn off the tube an hour before bed and pick up a book instead.
10.A bedroom that too warm - makes it hard for your body temperature to drop, an important element to getting good sleep.

Refinance your auto

Many consumer bought the car on a short term loan – let say two years. The payments are highly affordable. Once the consumers change their economic picture change let say the consumer buy a house, the monthly expenses shot up. He looks at that auto and wants to spread the payment out over a long period of time. Refinancing the auto loan is just the ticket to do that.

As interest rates drop, many people's thoughts turn to refinancing — refinancing their home loan, that is. What they don't know is that refinancing an auto loan is easier to do, and it can save you some serious money. So if you are a consumer finding or thinking of auto loan refinancing I recommend getthebestautoloan.com website. Be sure to look at the terms of the loans, as different terms will lead to different rates.

So, if refinancing is such a great move, why don't more people do it? Possibly, they anticipate the same kind of application-heavy process found in refinancing a home loan. It could simply be that people don't know it is possible. After all, the only risk is the 5-10 minutes it takes to fill out the application. Make sure, however, that no points are charged for the refinance process.

Loan till payday

When everyone suddenly fined that they desperately need extra cash there are so many reasonable solutions available to them. Instead of having to borrow money from friends or family and suffer through undue embarrassment because of financial difficulties, many people tend to access a loan till payday opportunity that can help them to make ends meet until the next payday come up. Life is filled with unexpected moments and circumstances and sometimes the unexpected can create financial issues that are unwarranted. We were glad that there is a loan until payday opportunities it reduce the stress that an individual experiences when an unexpected financial obligation can otherwise seem overwhelming. At loan till payday opportunities make it possible for everyone to do so with little hassle.

If want to apply for a loan till payday you most need to access through internet. Buy clicking the site like urgentcashloan.com website you can apply for payday advances online, there is no longer extensive waiting period for approval because approval can occur in as little as 24 hours of time. In fact, in many instances the representative will process an application within a minute after the application is filed.

"Cancer Update"

Please all give this a read.

Cancer update -- Johns Hopkins -- Cancer News from Johns Hopkins:

1. No plastic containers in micro.

2. No water bottles in freezer.

3. No plastic wrap in microwave.

Johns Hopkins has recently sent this out in its newsletters. This information is being circulated at Walter Reed Army Medical Center as well. Dioxin chemical causes cancer, especially breast cancer. Dioxins are highly poisonous to the cells of our bodies. Don't freeze your plastic bottles with water in them as this releases dioxins from the plastic

Recently, Dr. Edward Fujimoto, Wellness Program Manager at Castle Hospital, was on a TV program to explain this health hazard. He talked about dioxins and how bad they are for us. He said that we should not be heating our food in the microwave using plastic containers. This especially applies to foods that contain fat. He said that the combination of fat, high heat, and plastics releases dioxin into the food and ultimately into the cells of the body.

Instead, he recommends using glass, such as Corning Ware, Pyrex or ceramic containers for heating food. You get the same results, only without the dioxin. So such things as TV dinners, instant ramen and soups, etc., should be removed from the container and heated in something else. Paper isn't bad but you don't know what is in the paper. It's just safer to use tempered glass, Corning Ware, etc.

He reminded us that a while ago some of the fast food restaurants moved away from the foam containers to paper. The dioxin problem is one of the reasons. Also, he pointed out that plastic wrap, such as Saran, is just as dangerous when placed over foods to be cooked in the microwave. As the food is nuked, the high heat causes poisonous toxins to actually melt out of the plastic wrap and drip into the food.

Cover food with a paper towel instead.

Remember to keep smiling - people will wonder what you're up to & it'll drive them crazy!! ;-}

"It is safe to re use a foil?"

I noticed a warning on a box of kitchen foil saying it shouldn't be reused. I've been washing, drying, and reusing foil for years - should i stop? The warning appears for two reasons one more vital than the other. The practical problem is that, if you use foil to wrap or cover food during cooking, it may be weakened by the high temperatures inside the oven. More important, thought, is the hygiene issue. If you use foil to wrap or cover raw food, then use it to wrap or cover cooked food you risk transferring bacterial that could give you food poisoning. If you want to reuse foil, it essential to wash it thoroughly and dry it first, especially if its been used on raw meat, fish or eggs. If foil isn't cleaned and rinsed properly, problems could arise through the growth of food poisoning micro organisms that could contaminate food wrapped in the foil.

Car Insurance Rate

Very important things to the entire car owner you need to ensure that your car have an insurance, because we didn’t know what happen during our driving in the road. Remember there’s a lot of insurance companies even online offer different car insurance quote that fit to your budget. If you want to find out what kind of car insurance rate you could be paying in just a minute I think you need to consider carinsurancerates.com website, because they offer more auto insurance discount even in drivers who may have been turned down in the past due to poor credit or past traffic violations. Even if you’ve allowed your automobile insurance policy to lapse, you may still qualify for excellent coverage and a great car insurance rate.

Once you’ve taken a look at the car insurance rate. No need to stand in long lines or spend the day on hold. You don't need to schedule shopping for car insurance rates during regular business hours because in online service is available to you whenever you need it. You can pay your premium online and even print out your proof of insurance card right on the spot. In other words, you could go from being uninsured to driving safely and legally in just a matter of minutes.

Healty life

Eat right - making healthy food choices significantly lowers blood pressure and reduces the risk of heart attack. Loading up on fruits and vegetables, whole grains, nuts and fish keeps the kilos off but your body also needs the right amounts of healthy fat. With high cholesterol fast food and other convenience items taking up a larger role in the modern diet, you will be better off with balanced nutrition that matches your calorie and protein requirement based on your weight and nutritional assessment..

Be active- sedentary lifestyles are the scourge of the modern age. If work and other concerns leave you with no time to exercise, remember that just being physically active doing housework or taking care of the kids already accounts for exercise. To keep moving and do whatever form of exercise is fit for you. Exercise provides health benefits for the whole body like improving circulation and muscle mass function repairing body tissues and reducing inflammation aside from promoting heart protection.

Avoid stress - studies have shown that emotional and physical stress can also increase oxidative damage from free radicals to the whole body. It also raises your blood pressure and makes you more prone to heart attacks. So make sure you set aside some time for rest and relaxation. Step back from the fast lane and engage in relaxing activities like music, reading, enjoying time with your family, or having special hobbies. Your heart will thank you for it.

Have a positive outlook - People who look at the brighter side of life tend to have better productivity and stable relationship. Married couples with positive relationships tend to live longer.

Reverse Mortgage

What is a reverse mortgage? Reverse mortgages were created specifically for senior homeowners who own their home outright, or owe little on it. These seniors may use the extra cash for living expenses - or to just improve the financial quality of their lives. For older homeowners, a reverse mortgage can satisfy a variety of needs. You can use the money to payoff debts, deal with financial emergencies, travel, increase your monthly income, pay for home improvements, help your children or grandchildren, or establish a cash reserve for future needs. There are many reverse mortgage possibilities.

How does a reverse mortgage work? With a reverse mortgage, the lender sends cash to you according to the plan you select. You make no monthly mortgage payments for as long as you live in your home. The more cash you receive, the greater the loan balance owed against the property. A reverse mortgage is a non-recourse home loan. This means there is no personal liability to you or your Heirs, no matter what. Repayment is due after all homeowners permanently vacate the home (die, sell, or permanently move out). That repayment comes out of the equity or by any other means chosen - your Heirs could refinance the home, or write a check, or sell the property.

"Why breakfast count"

Go ahead and savor the scrambled eggs and sausages. People who eat more in the morning eat less overall and gain less weight than breakfast skimpers. According to the researcher analyzed the food diaries of 867 people and found that people eat one calorie less per day for every extra calorie they consume in the morning. People those who ate less than 11% of their calories before noon gained almost three pounds over four years, while those who had 22 to 50% of their calories at breakfast gained just over one and a half pounds...

Best credit cards

Hundreds of online credit cards offer are available to consumer today. The variety of choices can make it hard at times to pick the best credit card that suits to your needs. That is why you need to be sure that the credit card company of your choices is dedicated professional I think at yourcreditnetwork.com bought for your expediency the best selection of credit cards currently offered online. One no longer has to go to different sites for a scoop on best deals from credit card issuers. We take the hassle out the selection process by conveniently presenting all the information at one place.

It is hard to find the card that perfectly fits your needs. Therefore finding a card that covers most of them may very well be the best credit cards for you. There are plenty of choices when it comes to finding the best credit cards, including, but not limited to, student cards, gas cards and travel cards. With all these option it can become extremely overwhelming to find what best for you, but with the right tools, research and patience, it should be easy to determine the best credit cards for your lifestyle. And remember it’s more than ok to be picky when choosing.

"Acne Anxiety"

You've dreamed of clear skin. But day after day you find acne staring back at you in the mirror. You're not alone. Women of all ages suffer from persistent acne. Why? And what can be done about it. First, you need to understand what causes acne and what doesn't. Poor hygiene, oily skin, eating chocolate or fried, greasy foods - none of these common misconceptions cause acne. In fact, acne is caused by a cycle events. Oil or sebum, is produced in the sebaceous glands, which lie just under the skins surface. As oil is produced, it travels up and out through the pores to lubricate the skin. But in acne prone skin, dead skin that would normally slough away collects in pores, trapping oil inside, as the skin continues to produce oil, the blockage grows, resulting in acne blemishes. Vigorously, scrubbing your face to keep acne under control and unblock the oil is not the answer. The best advice is to gently cleanse your face twice a day as part of a skin care system for acne prone skin....

Bad credit, credit cards....

If you have a record of bad debt, then you will not be able to qualify for a regular credit card. However, help is now at hand with a credit card companies offering bad credit credit cards to the people with a debt history. While these cards encourage people to improve their credit ratings, they generally come with strict rules and policies so as to discourage defaulters.

"Skip the salt"

Need a dash of salt to add a little more flavor to your dinner? High salt intake increases your risk of developing high blood pressure and its complications, such as stroke, heart attack, and kidney damage. Fortunately, you can still add that zing to your meal in a healthy way just as savory as common table salt but with 43% less sodium, Pansalt is ideal for people who are conscious of the amount of salt they put in their food. Pansalt has also been found to improve the therapeutic effect of medication for high blood pressure. This is certainly ideal for those with heart problems, or just about anyone who wants to switch to a healthier lifestyle.

Gift shopping online....

A holiday season before everyone known it, it’s a current state of the economy, consumers may be wondering how they are going to afford to be festive this year. A budget stretched extremely thin, you simply have to be more creative with your spending. Below are the suggestion for taking the stress and exhaustion out of gift giving and finding some of the greatest deals out there.

Good idea to shop smarter and faster, here are some ideas for comparing prices and finding bargains. Do holiday gift shopping online – all of our major retailers have an online presence, and many offer significant savings if consumers shop through their website, like shopwiki.com website this site has a partnership with many of the nation’s major retailers to offer brand name products at bargain prices. Simply log on to their website and enter the name of the product you are looking for into the search box and the site will bring up the best prices available at several different stores.

Many people start shopping for gifts early, this enables them to take advantage of end-of-the-season sales. At shopwiki.com they help you to find perfect gifts ideas for all occasion like holiday seasons, I think for me the best gift ideas is health and beauty guides like cosmetics gifts, fragrances gifts, make-up gift and bath and body gifts. In just a click in your computer your solution to your gift shopping online here at shopwiki.com right here.

Is it safe to heat food in plastic?

To get behind the hype 31 containers, lids, bags, wraps and liners. What we found was reassuring but not really protected your family there's more you need to know..... My kitchen filled with products that help me get dinner on the table fast. I have cans of beans and tomato paste on my pantry shelves. In the fridge, there's usually a collection of leftovers last night lasagna, some barbecued chicken - in dishes covered with plastic wrap, ready to eat after a zap in the microwave. I sometimes buy food and drinks in plastic containers, i've been known to chop on a plastic cutting board, and i carry water around in a plastic bottle. So i've grown increasingly alarmed over news stories on plastics in recent months. First saying that the same containers and wraps may contain chemicals that can pose dangers to health: bisphenotA(BPA) which among its many roles is used to make a type of hard plastic and certain phthalates, a wide range of chemicals that among their many uses soften plastic. ....

See the glorious side of motherhood

Many women see the thorny side of child rearing and fail to appreciate the greatness of the mission. More than anything fosters a deep understanding of the profound value in motherhood. If you can visualize the wonderful thins that can come out of a job well done its the mommy track then it will be easier for you to handle the sacrifices required.

Brain Damaging Habit

The main causes of liver damage are:

1. Sleeping too late and waking up too late are main cause.
2. Not urinating in the morning.
3. Too much eating.
4. Skipping breakfast.
5. Consuming too much medication.
6. Consuming too much preservatives, additives, food coloring, and artificial sweetener.
7. Consuming unhealthy cooking oil. As much as possible reduce cooking oil use when frying, which includes even the best cooking oils like olive oil. Do not consume fried foods when you are tired, except if the body is very fit.
8. Consuming raw (overly done) foods also add to the burden of liver. Veggies should be eaten raw or cooked 3-5 parts. Fried veggies should be finished in one sitting, do not store. We should prevent this without necessarily spending more. We just have to adopt a good daily lifestyle and eating habits. Maintaining good eating habits and time condition are very important for our bodies to absorb and get rid of unnecessary chemicals according to "schedule."

Because:

Evening at 9 - 11pm: is the time for eliminating unnecessary/ toxic chemicals (detoxification) from the antibody system (lymph nodes). This time duration should be spent by relaxing or listening to music. If during this time a housewife is still in a un-relaxed state such as washing the dishes or monitoring children doing their homework, this will have a negative impact on health.

Evening at 11pm - 1am: is the detoxification process in the liver, and ideally should be done in a deep sleep state.

Early morning 1 - 3am: detoxification process in the gall, also ideally done in a deep sleep state.
Early morning 3 - 5am: detoxification in the lungs. Therefore there will sometimes be a severe cough for cough sufferers during this time. Since the detoxification process had reached the respiratory tract, there is no need to take cough medicine so as not to interfere with toxin removal process.
Morning 5 - 7am: detoxification in the colon, you should empty your bowel.

Morning 7 - 9am: absorption of nutrients in the small intestine, you should be having breakfast at this time. Breakfast should be earlier, before 6:30am, for those who are sick. Breakfast before 7:30am is very beneficial to those wanting to stay fit. Those who always skip breakfast, they should change their habits, and it is still better to eat breakfast late until 9 - 10am rather than no meal at all.

Sleeping so late and waking up too late will disrupt the process of removing unnecessary chemicals. Aside from that, midnight to 4:00 am is the time when the bone marrow produces blood. Therefore, have a good sleep and don't sleep late.

Spending This Christmas

Christmas is just around the corner and shopping mood is kicking in. This is what I love about Christmas the sense of giving. Almost everyone has the urge to give. But I don’t know if this is healthy or not. In this time of financial crises I know spending drastically could hurt your pockets.

I know a lot of people who seriously loan just to have shopping money this coming holiday season. I am not saying that it isn’t a wise move; it’s more of a risky move. If you don’t watch out your spending activity this holiday season you are more likely to suffer financial crash in the first quarter of the following year.

I suggest you make a very practical list or forecast of your future expenses this holiday season. Or if don’t have the patience for this thing you can consult a consumer credit counseling. If any of the two options doesn’t appeal to you I just advice you to spend carefully.

I hope I have imparted financial awareness or something to that effect. It is better being aware, prepared and practical than be sorry in the end. Have a blessed and abundant holiday season to you all.