Freedom Fitness

Find out if you are heading towards financial freedom

or financial despair. Your financial fitness score shows how you stack up in a down economy. Take your time and enjoy!

Are finances often the source of contention and conflict between you and your companion?

10: Never 8: Seldom 6: Monthly 4: Twice a month 2: Weekly 0: Constantly

Do you worry about having money for your needs?

10: Never 8: Seldom 6: Monthly 4: Twice a month 2: Weekly 0: Constantly

How much money do you save each month?

10: 10% of your gross income 8: 6% 6: 3% 4: 1% of your income

2: you save very little or nothing at all 0: you spend more than you make

What percentage of your income goes towards debt elimination?

10: have no debt 8: less than 20% for debt payments 6: less than 30% 4: less than 40%

2: less than 50% for debt payments 0: pay over 50% for debt payments

Do you keep your finances organized, including bank accounts, insurance policies, trusts, wills etc.?

10: You know where all financial documents are and have established a will and/or trust.

8: You can easily find all financial documents.

6: Your financial documents are in one place.

3: You could find your financial documents if necessary.

0: You and your companion do not know where financial documents are kept.

Are you financially prepared for the future?

10: You have three months of emergency savings, a retirement plan and you are properly insured.

8: You have some savings and proper insurance.

6: You have proper insurance.

4: You have a current savings account and plan to reevaluate your insurance.

0: You are living day to day.

Do you have a retirement plan?

10: You have a written retirement plan with a retirement date and annual income needed.

7: You are working on a retirement plan and make regular deposits into retirement account(s).

4: You make occasional deposits.

1: You have thought about making a plan.

Do you understand how taxes can affect your retirement savings?

10: You take advantage of tax-free and tax-deferred investments.

8: You are investing in a tax deferred IRA and/or retirement plan(s).

5: You have learned about your employer's tax deferred savings program.

2: You have considered a tax-deferred savings plan.

For every book or article you have read on financial matters in the past year give yourself one point (up to ten).

Give yourself one point (up to ten) for every significant tax law you know that directly affects your financial situation.

Total Score: __________ ___________

0 to 20 Disastrous! Immediate action is required.

21 to 40 Dangerous: Your future is at stake if no action is taken.

41 to 60 Dreary: Improvements are necessary to ensure financial stability.

61 to 80 Good: Minor changes are needed to ensure financial freedom.

81 to 100 Dead on! Keep up the good work.

Labels: fitness coach, health care, virtual fitness coach, क्रेडिट card

Being physically fit, does not only give you physical satisfaction in life. It brings self confidence; it brings balance and coordination, makes you more productive at work. Considering finding a gym or a fitness center to bring out a new you? Or choosing a personal trainer instead?

Let me introduce you to the benefits of having a personal trainer before you shop for your fitness center.

Personal fitness training benefits:

1 Help you achieve the weight you always wanted

2 Can increase your stamina and agility

3 your self confidence

4 Help you learn new ways to maintain health and fitness

5 Improved quality of life to become more efficient and mentally alert

6 Improves mobility and flexibility

7 Improved posture, balance and coordination

8 Getting a good sleep

9 Better eating habits and good nutrition

For persons who have sickness or physical immobility and wish to restore maximum capability, a physical therapist will aid their needs.

Physical therapy or physiotherapy is a health care profession which provides services to individuals, family and community which aims to promote, restore and maintain the maximum movement and functional ability throughout life.

As a person becomes health conscious, personal fitness training gains popularity among different age groups seeking their services.

List of common reason in seeking a physical therapist:

1 Arthritis , pain in the joints in different areas of the body
2 Multiple or specific immobility
3 Uncoordinated posture and gait that interferes with balance
4 Weaknesses and chronic fatigue
5 Surgical conditions that requires the help of a therapist
6 Fitness and wellness education that concerns with losing weight and prevention of osteoporosis
7 Respiratory condition such as asthma which needs a specific plan of exercise
8 Clients recovering from heart problems
9 Clients with foot problems , shoulders, arms and wrist such as scoliosis and carpal tunnel syndrome
10 Pregnant mothers who wish to have safe delivery
11 Neuro-rehabilitation, after cerebro-vascular accidents, spinal cord injury or head trauma
12 Regulation of glucose level in diabetic client through the help of a therapist, prevention of diabetic wounds, and for faster healing of wounds
13 Athletic sprains and muscle strains and other sports related injuries.

Certain criteria to consider when you’re looking for a therapist:

1 You should have freedom of choice you may go to licensed therapist right away without doctor’s recommendation but for some cases concerning insurance policies you have to visit your physicians first.
2 See to it that the person that will provide you the services is a licensed physical therapist and ask if the clinic participate in your insurance company or they will submit claims on your behalf.
3 You can freely choose your appointment and your first appointment must include a general physical assessment to gather information to identify of your present health problem(s) for the establishment of appropriate plan care, goals, intervention and expected outcome of the therapy.
4 Don’t hesitate to ask it is their duty to provide and educate their clients.

Aside from the above mentioned, some individuals not only seek the help of a physical therapist they also include a massage therapy. Massage therapy as a way of relaxation or treat to your self after a week of handwork or to fight off anxiety and stress.

Here are tips for getting the massage therapy that suit you:

1 If you are kind of person that wants some pressure against your body, shiatsu-amma is good for you. Certain body points are manipulated aiding overall body health, stress and pain relief.
2 If you look for some meditation, Zen shiatsu could be a help.
3 For individuals looking for a therapeutic massage, try lymphatic massage and manual lymph drainage it improves immune system thereby fight out sickness.
4 Relaxation massage is best for individuals who are tired that needs to relaxed, a gentle pressure applied by the therapist that promotes relaxation of the muscle which also promotes sleep.
5 Rehabilitative massage, active release technique, deep tissue massage, deep muscle therapy, myofasciarelease and neuromuscular therapy, are devoted in finding points of tension, muscle spasms, to relieve this symptoms.

Although massage can relieve symptoms, it is not an assurance that the sickness has disappear. It is always wise to seek the help of a healthcare provider. Before engaging yourself in such situation try to understand first what you really need and consider your present health status this will lead you to a better choice.

About the Author

For your personal fitness training and fitness needs in the Mayfair, London, visit http://www.the25club.com. The 25 Club is a Mayfair Gym that offers personalised performance programmes for transformation.

http://www.articlerich.com/profile/Edward-Smith/48290

Labels: health care, personal fitness training, Physical therapy, physiotherapy