Fast Weight Loss Diets That Shrink Belly Fat

Getting a Firm Belly

A lot of importance is placed upon tight flat stomachs. Marketing campaigns are always promoting items that will accomplish this. Although many individuals want to lose their belly fat, due to appearances, one main reason to reduce this fat is your health! However, experts are now saying that it is okay to have a little fat, as long as you are not overweight.

Belly flab and high blood pressure, as well as high cholesterol, heart disease, and type 2 diabetes have been linked to belly fat. In order to be at no health risk, men should not have a waist measuring more than 40 inches, and women must have a 35 inch waist or less.

Below are some good techniques to help you reduce dangerous abdominal fat and get a firm belly:

· Exercise More, Eat Better

Calories do not have to be burnt at a gym or workout class; this can be done when you participate in everyday activities. For example, yard work burns several hundred calories per hour. Whereas organized sports, like football, burn even more. Another great activity to burn calories is swimming. Still another way to burn calories is to engage in walking.

Your fat-burning metabolism will kick into overdrive with Cardio exercise. All you need is persistence and perseverance; the trick is to find an activity you like. If you stick to it, the pounds will melt away. It’s also imperative to alter your routine to ward off boredom, as well as to get maximum calorie burning results.

In order to get a firm belly, there are different exercises that you can implement into your schedule. The American Council on Exercise did a study to find out the best types of exercise to incorporate into any weight loss program. Their findings included supine bicycle, captain’s chair leg lifts, and vertical leg crunches. These exercises are thought to work the abs more than any other exercises. Other good exercises include twisting crunches and exercise ball crunches. These activities should be done several times a week in order to obtain a slimmer waistline. Detailed step-by-step tutorials for each exercise can be found on the internet. However, if you are an outside person and your yard needs mowed, this activity will move all those muscles in the right way. However you must engage in this activity at least 20 minutes, non- stop.

Different foods can help you get a firm belly. Foods high in protein and fiber are slenderizing, however sugary carbs increase belly fat rather quickly. You should look for a diet consisting of complex carbs, unsaturated fats, and lean protein sources; a classic example is the South Beach diet. The diet solution has a high success rate and is a natural way of losing weight.

· Reduce Stress

The reducing of stress can be accomplished at the same time that you are losing belly fat. This can be done through the implementation of yoga. Yoga has a two-fold effect on our bellies, as follows:

1. It reduces stress levels. Stress very often leads to weight gain. Stress-induced weight gain often results in belly fat. In this way, stress reduction can give you a flatter stomach and at the same time, actually lower your risk for many diseases.

2. Yoga also tones the muscles in your stomach. A yoga routine that includes supine poses and other postures will work the abdominal muscles. You might want to check out a yoga DVD or video tape, or you can also try to go through some yoga tutorials.

All in all, it takes time and effort to get that dream belly, but it sure is worth it!

Container Gardening Basics For Success

Container Gardening is becoming more and more popular as the population of cities and suburbs increases. Your "garden" is movable and so it is easier to manage pests and garden environments. It also brings the time that you need to tend to your plants because you can place them where they are easier for you to reach. This is especially good for people who are handicapped but still want a garden.

There are some things that are necessary in order to have a successful container garden.

First, you must have a container. You can find them in almost every size, shape and they can be made of many different materials. And, they can be very inexpensive, especially when you create them from "found" objects. You must make sure that the container that you choose has adequate drainage.

Make sure that your container is appropriate for your plant's full-grown size. You do not want to have to keep changing pots as your garden grows.

Soil is the next thing you have to have for your garden. I'm sorry, but you can not go outside and dig up some dirt. It will be much too heavy and will probably contain lots of bugs and pests that you do not need. The soil must be of good quality to keep your plants healthy and growing well. Buy potting mix that drains well but still is able to retain adequate moisture. The mix should not be so light that it will not hold the plant and root system in the container without propping the plant up.

You can mix your own potting soil by using one part compost; one part perlite and one part garden loam. Be sure that you inspect the loam for pests before using it.

Choose plants that do not have very large root systems. Those plants will soon get too large for the pot that you have planted them in, even to the point of breaking it. As I mentioned before, not sizing the plant to the pot (or the pot to the plant), can cause plants to be spindly and root-bound.

Tomatoes are a good choice for a new gardener because they are easy to grow and have a strong, but small, root system. Other vegetables that are appropriate are peppers, lettuce, spinach, radishes and eggplant.

Herbs are also an excellent choice for container gardens. Herb gardens do not require much space and they are extremely easy to grow, even for the novice gardener. Like most plants, they do require adequate drain to grow them successfully.

Some people use container gardens as decorating accents as well as growing vegetables for the dinner table. Choosing containers that fit with the style of the area you want them in terms of its ambiance. You might even want to use them in a specific area inside your home. Sunrooms come to mind as a great place to grow plants. Do make sure there is adequate sun and shade for your plants.

How to Choose Your Motorcycle GPS Systems

Location, location, location are not just words used in real estate. When riding your motorcycle it's a great idea to know where you are and where you are going. Global positioning systems or GPS have come a long way in the last twenty years in helping riders find their way along the highways and byways of traveling. Choosing the right GPS for your motorcycle can depend on what features you desire.

The physical dimensions of the GPS device can be up to 5.7 "x 4.2" giving you a large enough screen to view your roadway, directions, watch a video on screen, or just use the split screen to see your next turn. The buttons for almost anything you need are right there on your large screen. In case you want to find your location at the moment just go to the Menu. From there push the "Where Am I" button on the touch screen and you will be able to read your exact location.

GPS devices are generally pre-loaded with maps of the United States including all cities, towns, highways, and local points of interest. This allows the rider to find any destination, landmark, or address in the continental United States. To help with guidance GPS devices have voice control which allows you to talk to the GPS and ask for directions, turns, or the next filling station on your route. The device also gives you audible turn by turn.
instructions, highways intersections, distance to your turn, and what lane you need to be in to make your next turn.

Wifi capability is available if you need to make reservations at a restaurant, check your stock portfolio, or just look up a local movie theater. The Wifi feature also allows you to get the local weather and traffic information so that you can either get out of the rain if need be or detour around an accident in the road several miles ahead. The colorful touch screen can be a valuable benefit to you when trying to finding your way to local events, route planning, and uploading those points of interest you would like to see along the way.

To give you further enjoyment on your ride the GPS device has Blue tooth Stereo as an added feature. This allows for many hours of listening comfort while you ride. If you enjoy music as most people do you'll want to choose some of your own favorites. An MP3 player gives you the flexibility while you drive. You can easily hook into the side of the GPS with your jack and listen to your music or get directions to your brother's barbecue.

For most of us in today's market we would not want to be without our cell phones. Blue tooth technology has allowed GPS devices to have hands free phone service. Use the touch screen to accept a phone call and talk to the GPS device to find a number and make a call. Hands free phone service is easy and very versatile.

When you've reached your destination GPS device can be removed and used to find your way on that hike up the mountain and back. Your exact location where your bike was left can be found by easily using your touch screen and directions. Global Positioning Systems (GPS) are the best idea for the motorcycle rider.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.