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!

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.

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.

Choosing the Best Clothes Steamer For Your Garments

When it comes to choosing the best clothes steamer there are several things to take into consideration. One is the size of the unit you want. Do you need to be able to travel with it? Also consider the amount of clothing you may frequently steam and the price you want to spend on a unit.

A clothes steamer operates with plain tap water. A good one can remove wrinkles from your clothing faster than ironing. They work especially well on silk, cashmere, wool or cotton jersey and steam is very gentle on fabrics. They also work well to refresh clothing between dry cleaning, saving you money. A portable or hand held clothing steamer can be used to steam many things, such as drapes and upholstery.

Hand Held or Professional Garment Steamer

There are two sizes available. The full size unit and the hand held unit. The full size unit usually will have a few more functions than a hand held. There may be an automatic shut-off, the ability to control the amount of steam, and a place to hold the steam nozzle. The hand held steamer will be cheaper in price. The nozzle will be smaller, which may be good depending on the garment you are steaming. It is easier to store and it can be used in any room of the house, as it can easily move with you. The one drawback about the smaller units is that they need to be refilled more frequently.

Features of a Professional Garment Steamer

The average full size unit has a base with a boiler in it. A plastic tank sits on the boiler. You fill this tank with water and invert it. The more water the tank holds the longer the steamer operates without refills. A typical one gallon tank model will produce steam for ninety minutes straight.

Some of the full size fabric steaming models come with steam setting controls, much like an iron. The settings can be adjusted according to the fabric being steamed as some require more heat than others. The typical cost range is $120-$200 with a wattage from 1,200-2,000 watts. A press pad can be used as well. This will keep the garment in place and lessen the chance that you will scald your hand. Many come with garment hanging rods and accessories like crease tools, lint removers and or an upholstery brush.

Best Travel Clothes Steamer

The best clothes steamer if you travel may be a hand held model. They are easy to pack and some weigh as little as 1.5 pounds. This type of unit will have a one piece design. Most produce nonstop steam but some have a push button steamer. This will only allow the steam out only when the button is pushed. The steam time is much shorter than that of a full size unit, producing steam for no more than 15 minutes.

If you need to steam more than a few garments you will need to refill the water tank. These do come with a travel pouch and sometimes a fabric brush and lint pad. Usually the more watts the machine has the hotter the steam. This is not always the case as some of the models with lessor wattage were tested and found to give greater and hotter amounts of steam. The wattage can range from 200-1,000 watts at a cost of $30-$60.

Best Clothes Steamer for You

The best clothes steamer will have the hottest steam to make removing wrinkles easy in one pass. The full size will have a place to hang your clothing while steaming and a holder for the steam nozzle. The hand held unit should be light, compact and still pump out great amounts of steam to get the job done.