Monday, May 31, 2010

What’s Your Financial Fitness Score?

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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.

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Tuesday, May 25, 2010

Finding Freedom Through Faith and Fitness

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“So if the Son sets you free, you will be free indeed.” John 8:36.

Does your current fitness level prevent you from feeling free to do the things you have been called to do?

Without realizing it, our health can hinder us from giving God all the glory. There are days, even weeks and months, that we just don’t have the energy and the endurance to do what God has called us to do.

Have you ever noticed a preacher so winded that he could barely finish his sermon? Or servants of Christ so overweight that they had to stop and catch their breath, every 5 steps?

Lifestyle-related illnesses such as obesity, heart disease and diabetes can be a direct result of our lifestyle choices, and can enslave us and dominate our actions.

God has promised us freedom through His son Jesus Christ. Our job is to agree with Him and then align our lifestyles with His vision for us.

Begin today to see your health and wellness from a different perspective. See it as a way to glorify God, to better fulfill your calling and to be a living witness to others. We’ve got to admit that if we want to influence others, we should be able show them a lifestyle that they would desire.

If your desire is to lose weight, then begin to get involved in a Bible-based weight releasing program where you can partner with the Holy Spirit to help you be in the best health that God has called you to be.

Beloved, God wants us free. Where the spirit of the Lord is, there is liberty.

Cathy Morenzie - About the Author:

Cathy Morenzie, the president of Active Image has been a leader in the fitness and health industry for over 20 years.She is a sought after presenter, published writer and fitness trainer.
Her impact has influenced thousands of people over the years to help them lose weight and develop positive attitudes about exercise and active living.
Her new program “Healthy by Design” teaches people how to lose weight while strengthening their faith. You can learn more about her program at http://www.activeimage.ca/index.php/HealthyByDesign/FreeGift

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Wednesday, May 19, 2010

5 Top Reasons Why People Hire Virtual Fitness Coach

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Freedom Fitness
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Have you ever heard of the term "virtual fitness coach"? Just like a personal trainer in the gym who will closely monitor your workout sessions, this type of coach will serve as your personal coach. The only difference is that you will not have a face-to-face interaction– it will all be done through consultations and communications online.

Amp Up Your Personal Fitness Training with a Virtual Fitness Coach

First up, let us take a look at the role that a virtual fitness coach plays on your personal physical training so that you can have a head start with meeting your workout goals.

These days, a lot of people find it difficult to squeeze in some serious workout time to have serious workout sessions, what with all the things that they have to do at work at home. Let's take a working mother as an example.

Rather than spending her time on personal fitness training sessions in the gym, she would rather work out at home so that she can watch over the kids while doing it. If she does it this way, there is a big possibility that she will not meet her weight loss goals because she does not have the benefit of having a personal trainer or instructor working beside her.

This is where a virtual coach for your workout sessions comes in. By hiring one, she can enjoy all the benefits of having a personal trainer in the gym – while having the freedom to workout at home.


Enumerating the Top 5 Reasons Why It Pays to Hire a Virtual Fitness Coach

So what are the top 5 reasons why it pays to hire a coach for your workout sessions? Take a look at the following list:

1. A virtual fitness coach will help you evaluate your current level of being fit on the onset of the training program.

2. Once your initial strength level is determined, an instructor will be able to help you create a personalized fitness training program so that you can reach your weight loss goals.

3. This type of coach can double up as a morale booster, to give you the encouragement you need when you are lagging in your personal training program.

4. A virtual fitness coach is the best motivator for you to pursue your weight loss goals.

5. Unlike hiring a personal trainer in the gym, seeking the help of this type of a coach is usually more cost-effective.

If you are looking for a virtual fitness coach to help you reach your weight loss goals so that you can have the body type that you want, check out Zara4Training for Personal Training in the UK.

Through their site, you can get nutritional advice and enjoy all the benefits associated with having a personal trainer in the gym while having the freedom to workout at your own pace, right in the comfort of your own home.

Amit Kothiyal - About the Author:
Zara is a well known name in UK for providing specialized personal fitness training sessions at home or office. She is a certified and professional Fitness Coach delivering personal training in Berkshire, Windsor, Ascot, Marlow, Bucks and all other major cities in UK. Visit Zara4training.com today and shape your body without visiting gym.

http://www.articlesbase.com/health-articles/5-top-reasons-why-people-hire-virtual-fitness-coach-869019.html

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Wednesday, April 21, 2010

How You Can Achieve Fitness With Pilates

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If you are wondering if you can achieve fitness with Pilates, the answer is most definitely, yes. Fitness is not only having the ability to perform physical activity but it is also having the strength and energy to feel as good as you possibly can. The more fit you are, the more healthier you are.

Achieving fitness with Pilates does not require you to be an athlete. Athletes do reach a very high level when it comes to fitness. However, people that go for a nice long walk everyday can achieve a fairly healthier level of fitness than someone who doesn't walk at all. Even people who are not capable of a lot of physical activity can work towards a healthy level of fitness. This is where Pilates excels above all other exercise programs. Pilates workouts can be tailored to your fitness level so even if you are rehabilitating yourself after an injury, Pilates can be safe for you.

Pilates focuses on core strength, increasing flexibility and improving posture by using proper breathing techniques. Even if you are really out of shape, you can achieve fitness with Pilates. Gyrokinesis is an excellent program that stimulates your nervous system while it is massaging your internal organs. Using specific breath patterns allows energy to move through your body, encouraging freedom and fluidity. All movements in this program are spiral or circular which encourages a deep sense of three dimensional awareness. Gyrokinesis can be adapted for a professional athlete to a student that may be physically challenged, allowing fitness with Pilates to be achieved by anyone.

Fitness helps you to have more energy, look and feel better. When you are fit and active you burn more calories. Pilates workouts allow you to build long, lean and strong muscles without bulking up. Creating muscle mass burns more calories and enables you to achieve a higher level of fitness.

Improving your fitness level is good for your lungs, heart, joints and bones, reducing your risk for diabetes, heart attack, cancer and high blood pressure. In addition to these amazing benefits, achieving fitness with Pilates, sculpts your body, strengthens your core and leaves you with exceptional posture alignment. The more fit and flexible your body is, the more you reduce your risk for energy.

Increasing your fitness level will also allow you to handle stress better, stay focused and get a good night sleep. Pilates is a non-impact method that develops deep abdominal strength and improves postural alignment. Pilates classes leave you feeling focused, refreshed and strong. When you are more physically aware of your body you are more likely to make healthy lifestyle choices and that is how you really achieve fitness with Pilates.

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Monday, April 12, 2010

How To Live In Freedom - Feed Your Fire!

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If you are looking for ways to live in freedom, try feeding your freedom fire! Freedom rings, people sing! In actuality, it was July 2nd that Continental Congress approved the declaration and July 4th was the day the press release was approved.

Also, the job of writing it fell to Jefferson because Adams vetoed Franklin saying "He'll probably put a joke in somewhere" and noting himself "I am obnoxious, suspected, and unpopular." (Martin Snapp's "Document with a Past".)

My father, bless his spirit and silly sense of humor, was known to sporadically bellow out "Drop your drawers for Freedom!". Perhaps he and Franklin spent some time together.

In any event, what does freedom mean to you? By definition it is "the capacity to exercise choice; free will." Synonyms are independence, privilege, liberty, license.

Still somewhat in the wake of the horrific events of 9/11, we have hopefully come to appreciate moreso that we can celebrate how, when, where, and with whom we choose.

Millions of people live under restrictions we can not even imagine. The song lyrics "Don't know what you've got until it's gone" plays in my head. What would it be like to lose your freedom to chose your profession, lifestyle, associations, activities, religion, mates, where you shop, live, eat, travel?

Are you taking advantage of all that you have access to? It is so easy to whine and complain about what we don't have but stop and appreciate all that you do. If you are left wanting, circle back to our definition and exercise your choice, use your free will. Your choices today design your tomorrows.

We can surmise that with all of our freedoms, the obstacles and restrictions we face are often self-imposed. With choice comes responsibility. If you don't like something, work to change it. No on else is going to do it for you.

In the words of Charles Kettering "We should all be concerned about the future because we will have to spend the rest of our lives there." William James steps it up a notch and adds "The greatest use of life is to spend it for something that will outlast it."

Your choices may not only protect your freedoms but those of generations to follow. What an incredible gift to give back. So celebrate your freedom and the choices you have made, drop the grudges and gripes - and your drawers if you feel so inclined! Let freedom ring.

People Matters: Count your blessings and spend them on others. Here are a few fun ways to make someone else's day.

1. Buy coffee for the person in line behind you
2. Pay someone's toll
3. Give away some clothes, shoes, coats
4. Make cookies and drop them off for your mechanic, grocer, baker, banker
5. Buy a checkout person a beverage or a treat and say "Thank You."

People may twist their face in curiosity and apprehension but they may enjoy it. If they ask why, simply say "spreading some joy, no reason, it's time, having a little fun, just because, why not?" It's the little things and we're all in this together.

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Wednesday, April 7, 2010

Positive Effects Of Hypnotherapy To Stop Smoking

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It is quite difficult to convert behaviors after they are generally developed. A lot of people around us are usually in despair not so sure on how to give up smoking. Best give up smoking hypnosis comes as a blessing for such individuals. It is often found that hypnotherapy is a positive way to quit smoking and halting smoking may just be much simpler than you imagine having high-quality hypnosis and brilliant psychological approaches.

There are lots of experienced therapist who put forward a single program for halting smoking. They'd conduct free follow-up sessions if the need arises so. The hypnotherapist will initial acquire info relating to why you intend to give up smoking. Optimistic affirmations, recommendations and hypnotherapy approaches take part in the quitting smoking program. The result of the suggestions would be increased when frequently observed. For this reason, by the end of the procedure the client is given a stop smoking tape or CD to take away with him. This permits him to boost the suggestions at his own suitable time.

Most effective give up smoking hypnosis treatment prices would be very much less when compared to the financial and health charges occurring a lifetime of smoking. An individual may believe that stopping smoking is difficult or uncomfortable. It really is a fact that nicotine is usually a hard substance to go out while stopping smoking. But once it goes out of your system, things become easier. If the client is able to beat the starting hitches, moves towards a lifetime of freedom. Smoking cessation becomes less complicated simply by coping with the psychological addiction of smoking.

Some people who smoke suspect that ending smoking is depriving them of something. Therefore there is certainly every possibility that they start it all over again. Hypnosis addresses this issue very effectively. Hypnotherapy deals with all of the emotional and also psychological aspects of overcoming the tendency to smoke. Beneficial results of stopping smoking such as good health, freedom, fitness and energy are given stress in hypnosis session.

Many individuals are enjoying freedom by means of best stop smoking hypnosis. This is among the most significant explanations why these people check with hypnotherapists. One feels so proud and so positive about oneself in the newly found life as a non-smoker.

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Sunday, March 7, 2010

5 Top Reasons Why People Hire Virtual Fitness Coach

eCommunity Members Events Forum Chat

Power Vegetables In A Drink
Freedom Fitness
Click this now



Have you ever heard of the term "virtual fitness coach"? Just like a personal trainer in the gym who will closely monitor your workout sessions, this type of coach will serve as your personal coach. The only difference is that you will not have a face-to-face interaction– it will all be done through consultations and communications online.

Amp Up Your Personal Fitness Training with a Virtual Fitness Coach

First up, let us take a look at the role that a virtual fitness coach plays on your personal physical training so that you can have a head start with meeting your workout goals.

These days, a lot of people find it difficult to squeeze in some serious workout time to have serious workout sessions, what with all the things that they have to do at work at home. Let's take a working mother as an example.

Rather than spending her time on personal fitness training sessions in the gym, she would rather work out at home so that she can watch over the kids while doing it. If she does it this way, there is a big possibility that she will not meet her weight loss goals because she does not have the benefit of having a personal trainer or instructor working beside her.

This is where a virtual coach for your workout sessions comes in. By hiring one, she can enjoy all the benefits of having a personal trainer in the gym – while having the freedom to workout at home.


Enumerating the Top 5 Reasons Why It Pays to Hire a Virtual Fitness Coach

So what are the top 5 reasons why it pays to hire a coach for your workout sessions? Take a look at the following list:

1. A virtual fitness coach will help you evaluate your current level of being fit on the onset of the training program.

2. Once your initial strength level is determined, an instructor will be able to help you create a personalized fitness training program so that you can reach your weight loss goals.

3. This type of coach can double up as a morale booster, to give you the encouragement you need when you are lagging in your personal training program.

4. A virtual fitness coach is the best motivator for you to pursue your weight loss goals.

5. Unlike hiring a personal trainer in the gym, seeking the help of this type of a coach is usually more cost-effective.

If you are looking for a virtual fitness coach to help you reach your weight loss goals so that you can have the body type that you want, check out Zara4Training for Personal Training in the UK.

Through their site, you can get nutritional advice and enjoy all the benefits associated with having a personal trainer in the gym while having the freedom to workout at your own pace, right in the comfort of your own home.

Amit Kothiyal

Zara is a well known name in UK for providing specialized personal fitness training sessions at home or office. She is a certified and professional Fitness Coach delivering personal training in Berkshire, Windsor, Ascot, Marlow, Bucks and all other major cities in UK. Visit Zara4training.com today and shape your body without visiting gym.

http://www.articlesbase.com/health-articles/fitness-gyms-for-the-home-115499.html

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