Friday, December 7, 2012

Midlife Tips: How to Lose Pounds & Save Money

While some might believe that looking good, staying fit and maintaining reasonable levels of physical health are strictly goals for youth; science and experience prove this is entirely untrue. On the one hand, one recent study has revealed that women past sixty struggle with body image issues, eating disorders, and problems about their current weight to an even larger extent than their younger counterparts. On the other hand, another recently published piece of news has proven that middle-aged individuals who choose to maintain focus on their health and weight will usually enjoy a health risk-free old age, with fewer conditions and illnesses to speak of. 

Keeping fit past the age of fifty is a wonderful exercise in frugality. Think of it this way: while most of your mid-life peers are spending massive amounts of money on pills to treat their weary arteries and hearts, or on unhealthy foods, you’re eating properly working out, and saving money. Weight loss and fitness don’t need to become more complicated once you go past the middle-life marker than they were before. There are plenty of great value dieting plans that cater to mid-lifers, with plenty of information about them available on the Internet. By following a few simple tips and tricks, just about anyone can save up while slimming down.

Whole foods have plenty of advantages when it comes to macrobiotic balance that you need to attain in order to drop some pounds – besides, they come with the boon of costing far less than highly processed foods in the long run. Sure, for the short term, springing for frozen pizzas or kabobs might seem like the more economic option. After all, you are buying several portions for the price of whole, natural ingredients that will also take a long while to prepare, aside from not looking like they’re going to keep your hunger at bay for too long.

The above sentence contains several fallacies that we’ll deconstruct in the following. First off, processed foods that contain refined ingredients, such as white flour, sugars, and saturated fats, will only make you feel hungry faster. Refined ingredients cause spikes in blood sugar levels. After the spike, your blood sugar will plummet, causing the release of ghrelin and leptin, the two hormones that trigger the feeling of hunger. Secondly, thinking you can withhold from eating a whole pre-assembled, frozen pizza in one sitting is usually wishful thinking that you’re using to sabotage your own way out of a diet. More often than not, people struggling with weight issues will not be able to limit themselves to a single recommended portion. As such, you might be buying food that’s supposed to last you for several days, but you will often end up polishing it off in a single sitting – and there goes your frugal lifestyle, right down the drain.

Lastly, whole foods, be they raw or frozen, are so much better from a dietary point of view. Legumes, fruits, vegetables and whole grains contain plenty of fiber. Several acknowledged weight loss plans advocate eating plenty of fiber (in excess of 25 g per day) for those who want to shed their extra pounds fast – for more information on the effects of popular diet Medifast, access website here and get educated. Moreover, whole foods usually contain antioxidants, such as vitamin C, selenium, vitamin E, and betacarotene, all of them great for keeping young and healthful. Great sources of antioxidants include most fruits and vegetables, as well as dark leafy greens, such as spinach and kale. Recent studies have proven that fruit and vegetables will ward off angina and stroke risks with 39 per cent more positive odds in people over 50 who choose to consume lots of them.

Another key issue is that buying whole foods will usually mean you’re buying locally. Aside from supporting small producers and stimulating the local economy, buying foods that are ‘in season’ will cost far less than splurging on exotic cheeses and meats.

Last, but definitely not least, avoid excess consumption levels of sugars, trans and saturated fats, as well as sodium. Most processed foods contain them, and they stand to damage your health to a great extent. The same goes for alcohol and tobacco products – quitting smoking, irrespective of the age at which it occurs, is likely to save you massive amounts of money, as well as cleansing your body of the toxins which make it more difficult to lose weight.


What Weight Loss Can Teach You about Property Investment

Even though they seem to be worlds apart on first glance, the connection between dieting and investing in the world of real estate is not that distant or forced. As a matter of fact, there are plenty of parallels to be drawn between the two, whether they pertain to ambition, drive, working toward a given goal and so on. In a nutshell, however, there is no magic solution for capitalizing a.s.a.p., neither when it comes to losing weight, nor with respect to shedding off the extra pounds that stand between you and your healthiest possible self. So just how are property investments and dieting plans similar? Read on to find out – you’ll be surprised to learn that, if you have lost weight, you, too, can apply that knowledge to your capital investments into real estate. 

There is No Miracle Solution


In business, as in dieting, (I think it should be: “In dieting, as in business,…” ) every once in while a self-proclaimed enlightened guru will crop up, with the promise that he or she holds the very secret that will help you reach your desired goal, be that goal a perfectly toned, ideal weight figure, or the fortune that you’ve decided to put your money to work toward. However, miracle solutions are always bogus, bar none. In terms of diets, there is plenty of information available out there on medically tested, safe, healthful and balanced plans that can help you obtain just what you want – an all-new and improved body image. There are many up for grabs, and since no two individuals are alike, finding a tailored solution, as well as a sustainable strategy that’s likely to work out for you is the only way to go.

The same applies to investing money into property (or much of anything, for that matter). There is no foul-proof ‘get rich overnight’ magic solution. Just like any dietitian and nutritionist will remind you that it took time to put on all that weight, a good investment strategist and broker will tell you that getting rich within a short span of time only works in lotteries and raffles. When it comes to investing in homes and/or commercial property, the only way to go is to have patience, to think things through and to figure out your investment style, so as to implement the best strategy that will work for you. 

You Reap What You Sow


Reduced to the essential principle, weight loss is all about creating a calorie deficit. In order to put on a pound of fat, you will need to eat 3,500 more calories than you consume through your basal metabolic rate (the sum total of your vital processes) and your daily physical activities. To lose weight, you will need to create a difference of 3,500 calories between what goes in (i.e., the food you eat) and what comes out (i.e., the calories you burn by working out, staying active, etc.). It’s no wonder that one of the most efficient and sustainable dieting plans out there is calorie counting. By keeping track of what you invest and what you expend, you will be able to maintain full control over the progress of your diet.

The same goes for property investment. There is no end to the amount of stress that must go toward highlighting the importance of thorough asset management, investments and returns. To over-simplify, if you’re spending more than you’re making, you’ll be losing money. Conversely, good investments are those that capitalize on your current resources and build toward increasing their value over time, but this can only happen when you, the investor, are keeping close track of your own money. 


Stick to Your Guns 


Some people will complain that famous diets, such as BistroMD, about which you can learn more here (noticed I changed the anchor text) here, yielded absolutely no results for them. Meanwhile, others will extoll the virtues of the same plan and herald it as the next best thing since bread came sliced. While it’s true that different types of metabolisms will react differently to the various factors that determine weight loss or weigh gain (amount of cortisol released, low carb/high fat diets versus high carb/low fat diets, cardio work outs versus milder aerobics and calisthenics, etc.), it all boils down to patience, determination and habit formation.

The same applies to investment plans. It takes twenty-one days to change a habit, according to recent cognitive-behavioral research. This assertion is equally applicable to dieting habits, as well as to investment habits. You can’t objectively expect to see results, if you haven’t stuck through with one plan for at least that long a time.


Mortgage Loans Rates: What You Need to Know

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mortgage document (Photo credit: TheTruthAbout)
Nowadays, the US home owner market is recovering from its depression 3-4 years ago when home buying was at record lows and people’s mortgages were getting foreclosed because of the terrible shape the economy was in. To help give the economy a boost, the Federal Reserve has been buying mortgage bonds and offering attractive mortgage rates to people in the market for buying a home. Throughout last year, the mortgage rates stayed below 4% and were as low as 2.6% in some cases. Of course, every state and location in the country has different mortgage rates, so you should look to see what the rates are like in your intended location. However, although the economy is on the mend, the home market is still in a good situation for buyers because mortgage rates continue to be low. 

However, before you rush out to buy that dream home you think you can afford now, there are a few more things you should know about mortgage rates. Your mortgage rate never comes without strings, so knowing about the fine print is important before you make any commitment. All across the country, several home owners suffered from foreclosures due to being unable to pay off their mortgages, so you need to make sure that you get a mortgage rate that your income and financial position can sufficiently pay. 

In general, the longer your lease, the higher your mortgage rates. The average 30 year loan has a mortgage rate of 3.32% right now. The 15 year loan has significantly lower mortgage rates. However, shorter loan terms mean higher recurring loan payments, so you have to see whether your wallet can afford that. You may get a better mortgage rate, but making a larger payment may not be possible for you. The other important thing to consider with a mortgage rate is the down payment involved. The best mortgage rates usually come with the highest down payment, so the amount of hard cash you have in the bank right now could be an issue. You could get a great mortgage rate if you can make a large down payment, but that is not possible for every person in the market for a house. 

If your down payment falls below a certain percentage of the total loan amount (usually 20%), you can also get slapped with a private mortgage insurance, which is basically an addition to the interest rate you are already getting. This will jack up your overall mortgage rate because you are viewed as a risky borrower by the bank if you cannot make the minimum down payment. 

Compared to 1984, when mortgage rates were on the order of 14%, today’s rates of 3 to 4% may seem incredibly tempting to many people looking to buy a home. This may well be the time for you to purchase your dream house, but make sure that your down payment and mortgage rates are friendly to your wallet over the years. Make sure to take in account any unexpected expenses that you may be faced with over the years and leave yourself with enough savings for a rainy day. 

About the Author:
The guest post was brought to you by 411ForCash.com

How to Balance Between Your Income and Expenditures?

For many people balancing money between their incomes and expenses is not exhilarating task. Because they may not know where their money is going, as there are different ways one can spend money such as: spending money for a holiday trip, purchasing latest gadget, home appliances or a new home. 

Most people when they run short of money to meet their expenses opt for various credit options. But the sad reality comes into existence if they are unable to balance their expenses with income. The only solution to avoid such bad situation can be creating an effective budget and sticking to it.

Plan a budget: Planning a budget is one of the important financial tasks. Whether you prepare budgets for business or for your family, it helps in managing your money and aid in saving money for future expenditures.

Balance your budget: It is very simple to create a budget but balancing it turns to be complicated task. If you could successfully balance your budget you will be able to understand your spending activities and can ensure financial stability. Here are a few ways to balance your budget.

  • Firstly determine your income and know by how much amount you are short off to manage your expenses. Collect the details of your income and evaluate how much money you need to meet your financial obligations. 
  • After determining your income, the next step to do is– gather all your financial documents to calculate fixed monthly expenses. This should include documents of utility bills, credit cards, insurances, home or a mortgage and so on. 
  • Now classify these expenses into various categories for easy understanding. Make a few categories relating to the necessities, fixed needs and wants. 
  • Allocate some funds to each of the category, be honest while allocating. You can even subtract a few of the expenses if you feel that you can manage to stay without them. 
  • If you are not able to manage your budget to pay off any urgent expenses or need some fiscal until your next payday try considering Payday Loans and resolve your financial need. 

Make use of budget tools: There are many budget tools available which can make your work easier. For example, to calculate your expenses you can try using mobile applications that aid in providing where you are spending much of your income help in extracting recent bank transactions, credit card details and so on.

Manage your debt: Managing your debts through budgeting could become frustrating if your budget is not realistic. So prepare your budget analyzing financial situation and set some financial goals.

Remove unnecessary expense: To get rid of your debts, make sure you maximize your savings and cut down your expenses. Eliminating expenses are not just meant to reduce grocery bills, but it should be executed for each of your expenses. For example, if you wish to buy an insurance policy, make sure to get the best deal on it by researching various insurance policies and extracting the best deal or by negotiating with the insurance company to reduce its premiums.

Does Your House Need a Professional Stager to Sell?

 You love your home and your decor is just perfect. So, why is your real estate agent telling you that you need to hire a professional stager? Do not be insulted. See this as an opportunity to launch your home into the welcoming arms of a buyer. Who needs a stager? Some people need these professionals more than others.


It's Been Sitting and Sitting

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As you follow the real estate news and information available online, you know something is wrong when your home is not moving. If your home has sat on the market without selling for six months or longer, now is the time to consider staging. It can help to paint the picture for potential buyers of what the home could be and how it would suit their needs. If you need a new tactic to get people back into the home to see what it has to offer, staging can help. It may help you to avoid a price reduction initially, too.


The Guy Next Door Is New

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Another common problem home sellers have is selling their older home, which is sitting in a newer neighborhood. If your neighbors have newer homes, potential buyers may see your property as the least desirable in the neighborhood. Even if you know that is not the case, you may have to show potential buyers what this property can really do for their bottom line. Staging can help to convince them that buying your home means they are getting a well-loved, cared for and excellent investment. Even better, it will be clear that your property can rank just as high as the other guy's.

It's an Empty, Blank Slate

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Perhaps you have already moved on, but you cannot truly move on until you sell this property. The problem is, your home's vacant, empty, and without so much as a kitchen table in it. This could be a reason why it is not selling as fast as you like. People cannot see how the home will look much less work for their needs. With some well-placed furniture on the other hand, you will have a stellar looking property that people can see themselves living in for years to come. Empty rooms may not be as welcoming.


It is a Cluttered Mess

clip_image004Let's face it. Sometimes we have too many dust collectors to keep a home organized. Perhaps you have a picture of each of your children from each school year and activity covering every inch of wall space. On the other hand, you may have so much stuffed in closets that if anyone dares open the door, they risk things falling on them. When you realize that you have too much, call a stager. The stager can help you to pack up what is not needed so buyers can see the real bonuses of the house.

Do you need a professional stager? If you are unsure, ask your real estate agent for some guidance. Do not be afraid to commit to the hiring of one. After all, they could end up helping you to make your move easier, not to mention sooner.

Images Via Flickr by fragileheart, Via Flickr by livinginacity, Via Flickr by dorsia, Via Flickr by puuikibeach


Telephone Etiquette Tips

English: WI: Milwaukee Sept 4th National Day o...
(Photo credit: Wikipedia)
Whether your at work, in your home, or on your cellular phone, here are 8 telephone etiquette tips everybody should be using.

1. Always say who you are at the beginning of every call. When in the office, always answer a telephone by saying: “Hello/Good Morning, Service Department, Jane Doe speaking.” From a cell phone, either simply say Hello, or state your name, Hello, Jane Doe here. Do not answer by using words such as “yeah” or “yes.” When placing a call, always state your name along with the name of the person you are calling. Example: “Hello, my name is Jane Doe from XYZ Corporation. May I please speak with Ms. Jane Smith?”

2. Be aware of the tone of your voice. Don't sound overly eager, aggressive or pushy. It's crucial your tone expresses confidence and authority. Don't recline in your chair when speaking on the telephone, you project more when sitting upright. Sit up in your chair or stand during the conversation. When at home, use a personal tape recorder to privately record your own conversations. You will then hear how your sound to others.

3. Think through precisely what you want to say and discuss it BEFORE you make a call.
Write down the points you want to talk about and questions you want answered. In other words, anticipate and expect you will be directed into a voicemail system; plan your message to be as direct and specific as possible, asking the person to respond to specific alternatives or questions. Do not say, “Hello, it’s Jane Doe, call me back.” At least state the subject about which you want the person to call you back about.

4. Don't permit disruptions to happen during conversations. Don't carry on side conversations with other people around you. The person on the telephone takes precedence over someone who happens to walk in your office or passes by while you are on the phone. If you must interrupt the conversation, say to the person, “Please excuse me for a moment I’ll be right back.” And when you return, say, “Thank you for holding.”

5. Particularly when leaving messages, speak clearly and slowly. Don't use broken phrases, slang or idioms. Always leave your return telephone number as part of your message, including the area code . . . and S-L-O-W-L-Y, including REPEATING your telephone number at the end of your message. Practice leaving your telephone number, by saying it out loud to yourself as slow as you have heard an informational operator say it.

6. Build the habit of always turning off your cell phone ringer when entering a meeting, restaurant, theater, training class, or other place where the purpose of your visit would be interrupted or others would be disturbed by hearing your cell phone ring. If you are expecting an important call, inform the caller you will be in a meeting during certain times and state you will monitor your message indicator for when it illuminates you will excuse yourself to leave the meeting and return the call.

7. Always speak into the telephone receiver with an even and low tone of voice. Particularly when speaking on a cell phone out in public, be sure to monitor how loud you may be. Move the phone ear piece just slightly away from your ear and listen to yourself speaking. Discover whether you are speaking too loudly or too quietly for the other person to hear you.

8. Do not allow yourself to be distracted by other activities while speaking on the telephone, such as rustling papers, chewing and eating, working on the computer, or speaking with someone else. Most importantly, do not use a hand held cell phone while driving. Get a headset or speaker phone for the car. Always treat every caller with the utmost courtesy and respect by giving him/her your undivided attention.

Proper phone etiquette is very important to the growth and survival of your business. It's the way your customers communicate with you. A poorly operated customer service phone system will just anger your customers and cause a loss of business.

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