But I Don’t Feel Like Working Out!

Do most people actually feel like exercising? Think about it. Who do you know actually loves to work-out as often as they can? Probably not many because if most people felt that way there wouldn’t be an obesity epidemic.

As I write this, even I’m putting off the inevitable. I have to work-out. I’m a Personal Trainer. Shouldn’t I be counting down the seconds until I get to hurt and sweat to the classic rock channel and my dumbbells? Nope. I have spent the last hour or so lollygagging around the couple of sites I tend to frequent, posting a few status updates and commenting “great pic” here and there while working up the motivation to get moving! I have a holiday party to attend tonight and I can promise you…the food will probably be pretty good. So how can I take my love of fabulous cuisine and my obvious Sunday morning laziness and somehow use this combo to get me up off the sofa and into the work-out room? Well I’ll tell ya….

I’ve been fat and I’ve been fit and I promise you that fit feels better! I just typed a paragraph or so about my own vulnerabilities above to let you know that I relate to your lack of desire to exercise. We aren’t that different from each other. I live in the same fast world with the same fast food and email vs. snail mail and instant gratification benefits as everyone else. The only problem with this is that permanent and healthy weight-loss and weight-management take time, perseverance and yep, hard work.

I know what happens when we put important tasks off. They either never get done or if they eventually do, there is usually a hefty late penalty. It’s no different with our bodies. To develop and keep a fit physique, consistency is the key. To stay consistent, we have to change our minds.

The truth is that the next hour or so WILL go by regardless of what I choose to do within that time. The last hour is over and I chose to sit on the computer. Now even though I really did more productive things other than post silly stuff online, the fact remains that there is still a work-out to be done. I will have calories to burn off for later. I have a metabolism to speed up for the indulgences I will partake in tonight. I can choose to sit here for the rest of the afternoon and not get my strength training session in and I probably still won’t put on any significant weight from tonight’s foods. The reason for this is that while most often I would prefer not to work-out, I do it anyway because I ALWAYS feel a sense of pride, joy and power by the end of that hour of exercise than I would feel by not doing it. I feel AMAZING when I finish an exercise session. Did it happen overnight? NO! I had to make myself continue to experience it for a good long time until I realized the power behind a regular fitness routine. The result is a faster metabolism which burns my calories for me while I do nothing at all. In real estate, they would call this cash flow from a rental property. The investing, rehabs and negotiations are done yet the pay goes on. Brilliant!

Think about where you are right now. Do you have any regrets over the things you didn’t do? Have you noticed any negative circumstances in your life that could have been kept small and insignificant if only you had tackled them sooner? What about any goals you would have accomplished had you acted sooner (or at all)? When you take a moment and honestly think about any of these regrets, are you convinced that if you only had the chance to make a different decision you would have done it and then you would have everything you’ve ever wanted by now? How much would you give to change the outcome of any of the scenarios I just mentioned?

It’s been 2 hours since my last paragraph. In that time, I worked-out AND prepared all the vegetables needed for my few days worth of healthy salads. I’ll be honest here. I absolutely didn’t feel like doing ANY of that. It’s time consuming and labor intensive as far as I’m concerned. Given that thought process, here’s another one which is equally true. I just finished my work-out and prepared my lean and nutrient dense post exercise replenishment not just for today, but for the next several days to come. It was labor intensive, but I FEEL AMAZING! The hard work is done and I’ll reap the benefits of 2 hours worth of work for the next few days! The technical term for this is delayed gratification. Let’s say it together. DELAYED GRATIFICATION. It’s a way of life we don’t experience much of these days and I believe it’s why our bodies suffer from malnutrition and limited physical capabilities.

You see, most of us don’t feel like doing a lot of the things we need to do and I’m no different. The only way to experience the other side of this particular coin is to just do it. Whatever it is. With exercise, the more often you muster up the strength to get it done, the more you’ll understand the rewards. Don’t get me wrong, you still may want to put it off, however, you’ll have a valid sense of what you’re missing out on if you do. You’ll get how powerful it feels to spend that hour or so doing what you’ll feel proud of rather than nothing at all, which you could easily regret much longer than a measly hour, possibly the rest of your life. This way of thinking creates pride and a healthy self-esteem. It also helps to abolish any feelings of restriction since when we take care of ourselves the majority of the time, we can enjoy our indulgences without guilt.

Well, now that I’ve done the hard work, I’m gonna relax. As I had mentioned earlier, it’s Sunday. The only day of the week that I don’t have to be something to someone. The day that’s reserved all for me. Rather than spending all of it vegging, I gave myself the best gift I could….peace of mind from good work well done. I took that hour, doubled it and now I feel free!

So what about you? What did you get from this?

Wishing you a lifetime of smart choices and self-pride!

Web Hosting: Advantages of VPS

Web hosting can come in many different forms. It can be free, shared, private (VPS), cloud, dedicated, clustered and so many more. This is just a clear indication that the online industry is unquestionably flourishing. Once you have decided to build a website, the very first thing to take care of is the hosting service that acts as the backbone of the website. Choosing the right hosting service, however, can be a challenge. There should be a comprehensive analysis on what the business will need in a website to be able to determine exactly which web host tailor-fits these needs.

First, consider the website you want to have and whether there is a need to get a web hosting service which allows a more focused and directed server. VPS or Virtual dedicated server is a very common service being used by most websites. This type of service distributes a certain bulk of server resources into computer-generated servers so companies gain access to their space.

Primarily, VPS offers exclusive access to the host servers, making the client the sole user of the provided space. Users will also enjoy browsing through a website which is hosted by VPS because this type of hosting permits the creation of sandboxes.

Basically, sandboxes are really good tools in gaining access to more websites without exactly making any effects on the other. This type of web hosting service really makes a great impact in certain businesses which require strong, manageable and convenient services.

Another quality of VPS is that it allows speedy accessible pace. Users will be able to access the functionalities in rapid clicks and transfers without the need to deal with the trouble of slow loading times. Plus, this type of hosting is one of the safest as all data are safeguarded because there is no physical sharing done in the servers.

Having VPS is an advantage in terms of improving the website's performance. This is possible because there is no competition for resources among the users of each server, therefore making load time more effective for visitors, eliminating the need to look for a faster loading site. As it takes more than just a very good web design to make a website successful, accessibility is also a very important factor.

Stability is also an assurance for VPS hosting service. Knowing that this type of service is basically private, it has the edge over shared hosting sites most especially in web traffic. VPS will not be affected by other accounts on the servers and will maintain the website's stability.

VPS guarantees a better accessibility to dedicated resources such as more RAM, CPU speed and more disk area with your own server. Your website will also have as much flexibility as needed. You can select the operating system that works well for you. You can also choose which type of VPS works for you, either managed solutions for more control over your share of the server or unmanaged plans that allow you to spend more time to improve other aspects of your business.

A successful website needs to be grounded on a very reliable foundation and web design. Take your chance in getting into the path of website success, checkout the pros and cons of VPS web hosting.

Clothes Dryer

There are two types of clothes dryers one is gas the other is electric. The gas dryer is half gas and half electric, the gas is used for lighting a flame to create the heat to dry the clothes, the electric is used to operate the motor, timer, ignitor, coil kit and thermostats.

The gas dryer has more working parts than the electric dryer, when there are more working parts there is a greater chance of something breaking, the gas dryer does break down more frequently than the electric dryer.

The electric dryer use 220 volts to operate the heater element only, all the other parts use 110volts. Both gas and electric dryer have some basic parts: motor, timer, belt, thermostats, and thermal fuse.

These are the functions of each part.

The motor turns the belt that is on the basket, the timer sends the desired voltage to each part for the desired time that it is set on, the thermostat maintains the desired temperature and the thermal fuse shuts down the dryer if the thermostat fails.

A common problem with both gas and electric is clothes taking a very long time to dry, lint building up in the exhaust vent hose is sometimes the reason. The best way to check if the exhaust is partially blocked is to turn on the dryer. Then go outside to where the vent is, put your hand close to the vent, if there is little or no hot air coming out out, your vent hose is blocked. There should be a strong flow of hot air coming out. Sometimes birds build their nest at the vent opening because of the warm air they find coming out of it. Also if the vent comes out near the ground it sometimes get covered by snow.

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.