LifeStyle Blog | Fasnetic

Universal Life Insurance

family gathering for a group hug

Universal life insurance is just one of several types of life insurance policies available through life companies today. Unlike term life insurance or mortgage (reducing) life insurance, universal life insurance gives your insurance policy a cash-in value, allowing you to withdraw funds accumulated on your universal policy as and when needed. This flexible approach to life insurance is very popular in the US and offers a real alternative to standard term & mortgage life policies where the policyholder does not normally get to benefit directly from the life insurance funds unless they are diagnosed as being terminally ill.

Universal life insurance also provides policyholders with the ability to accrue interest on their life insurance premiums – something that a standard life insurance policy does not offer. How universal life insurance works in a similar way to a high-interest long-notice deposit account. When an insurance premium payment is sent to the life company the company deposit the funds into an interesting account after deducting a nominal expenses charge per deposit. The funds then gain interest, with interest accrued being credited to the account on a monthly basis.

Each premium payment made of course increases the fund, while compound interest is earned on the account month upon month. The cost of maintaining the insurance product or products purchased through the universal insurance scheme is also deducted from the universal account on a monthly basis. Should the insurance policyholder wish to withdraw funds from their universal life policy then they can do so from the cash surrender value of the life policy. Withdrawals are normally controlled/limited to a set number per year.

man person cute young

Depending upon the policy provider there may also be caps on the amount of money that the universal life policyholder can withdraw and a stipulation on a minimum amount of funds that should remain in the universal life account. It should go without saying that withdrawals from a universal life insurance policy will reduce the overall amount of funds available when a lump sum claim is made upon death or terminal illness diagnosis.

It is therefore important to manage the universal life account to ensure that there is sufficient coverage for your family and dependants in the event of your death. If you don’t have the time to carefully manage a universal life product then you may end up with little to show for your life insurance premiums if and when a lump sum payout is triggered.

Share This

What Goes Into Determining My Auto Premium?

smiling man and woman sitting inside vehicle

Insurance companies consider many factors before they provide you with an auto insurance quote. Here is some of the basic information that goes into compiling your auto quote: Age: Insurance companies like older more experienced drivers.

According to the CDC (Center for Disease Control and Prevention), 16 to 19 years olds are four times more likely than older drivers to be involved in a car crash. Premiums tend to decrease as the young driver ages. Type of Car: Brand new, expensive, fast cars are more expensive to insure than older, slower cars. Check to see if the car you’re interested in insuring is a high-risk car, meaning that it is often stolen or vandalized. For instance, in 2004, the 1995 Honda Civic was the most stolen car in the US according to a report released in November 2005 by the National Insurance Crime Bureau. Discuss this with your insurance agent before you select a car.

The cost of insuring it might determine how many cars you can afford. Driving Record: Clean driving record is important to get a lower rate. If you do have a violation, attend a driver’s education class. This may help to reduce your rate. Some insurance companies will not insure drivers with very poor driving records. Credit Score: Yes, that’s right. Credit score. Your credit score is also used when securing insurance.

It is called an insurance score. Studies indicate that the way a person manages their finances is a good predictor of the potential for insurance claims, therefore they charge a premium in accordance with the risk they are assuming. According to statistics, people with lower insurance scores are more likely to file claims. Deductibles: The higher the deductible, the more you save in premium. Go as high as you can afford. Underwriting guidelines vary slightly from company to company, so get more than one automobile quote and compare.

Share This

Atkins Induction

Atkins diet foods are easy to find and available everywhere. There are many varieties to choose from, whether you pick prepackaged low-carb diet foods or make your own meals. No matter how you want to do the Atkins plan, there is a solution out there for you.

You’ll need to keep the Atkins food pyramid in mind when you make food choices. The Atkins pyramid looks much different than the USDA Food Guide Pyramid. The base of the pyramid consists of protein sources such as eggs, fish, beef, chicken and tofu. On a daily basis, your diet should consist primarily of these foods. The second tier has low glycemic vegetables like salad greens, broccoli, cauliflower, asparagus and spinach.

The third tier is made up of berries and avocado. Fruits should be used on an occasional basis after the initial stages of the Atkins diet. Vegetable and seed oils, cheese, dairy, nuts and legumes are used sparingly and in appropriate portions. While the FDA pyramid has oils and fats at the top peak, the Atkins pyramid places whole grain foods in this spot. Whole grain foods should be used very occasionally and don’t make up the mainstay of the Atkins diet.

When you start the Atkins plan, you’ll need to make sure you understand which foods are acceptable for your stage of the program. The Induction phase is the most restrictive, but it only lasts two weeks.

You owe it to your dieting success to stay within the acceptable foods list. One of the best ways to do this is to follow the Atkins menu plans that are printed within the New Diet Revolution book. There are also Atkins cookbooks and cookbooks that are geared toward other low carb diets that are helpful in formulating meal plans.

It’s a helpful idea to use a cheat sheet of acceptable Atkins foods wherever you go. If you are out and about and hungry, the last thing you want to do is to try to think back in your memory to figure out what you can and cannot eat. Carrying a list of acceptable foods with you will make finding a snack or meal while out on the run easy. You can’t always rely on “low carb” labels to tell you whether or not something is diet friendly. Ever since low carb became the new diet craze, manufacturers have been jumping on the bandwagon to attract Atkins dieters. They label items low carb to sell products and don’t have your health in mind. Relying on foods from your own personal list is the best way to stay on the plan.

Another good resource for keeping track of the appropriate Atkins foods is an online diet program. There are several available. Some are free and some have a small monthly fee. The programs require you to register and then they provide you with personal weekly menu plans based on your needs and your carbohydrate gram level. There are normally printable weekly shopping lists that make picking up your Atkins diet foods from the grocery store easy and quick.

Atkins diet food is easy to find once you know what you are looking for. The books, food pyramid and online resources can help you make better food choices and stay on the diet for the long term.

Share This

Types Of Healthcare Plan

health insurance scrabble tiles on planner
There is a lot said about health care these days. With costs rising and no end in sight, there is a bigger need than ever for everyone to have the coverage of a health care plan. Health care plans are basically like insurance that helps you cover medical costs. Like any insurance, they are sometimes difficult to understand.
There are many types of health care plans available. Each type breaks down into two basic groups: group or individual. Group plans are the least expensive option. They are provided through an employer. Individual plans are offered through private companies and can cost much more than group plans because there are no group discounts to the provider. Within each group, there are a few different types of health care plans. Fee for service plans is the most common and traditional form of health care coverage. With a fee service, the covered individual gets many choices of doctors and hospitals. The insurance provider pays for a portion of your costs while you pay a fee. You pay both a monthly fee for coverage and fees based on the care you receive. Many times there is a deductible that must be met before the insurance provider pays anything. Most plans also have a maximum amount you will pay out of pocket. Once this figure is reached your costs are covered 100%.
Health maintenance organizations or HMO’s are another type of the health care plan.
HMO’s charge a monthly fee. You are required to use certain doctors who are signed up with the HMO. You pay a fee for any costs you incur called a co-payment. The total costs of any medical care are negotiated between the doctor and the HMO so the costs are lower. Preferred provider organizations or PPO’s are a combination of the fee-based plan and an HMO. There are limits on the doctors and hospitals you can choose, you make a co-payment for each service and you may have a deductible. You can, however, use a doctor that is not part of the PPO. You will still get coverage but you may end up paying a larger fee. There are other forms of health care plans. The government offer two plans: Medicare and Medicaid. Medicare is a plan for people over age 65 or disabled. The coverage provided by Medicare often changes and can be confusing. There are different types of Medicaid. There is a free type and a fee-based type. Medicaid is another government offered plan. It is based on income. With Medicaid, all of your expenses are covered. New changes have made it so some care requires a very small fee. There are also variations in Medicaid. To find out information a person should contact their local government human services agency. Health care plans can be very confusing. Talking with your provider will help ensure you completely understand how your plan works and what coverage is provided.
Share This

You Can Have Washboard Abdominals And Look Great On The Beach

You Can Have Washboard Abdominals And look Great On The BeachCan you imagine walking along the beach in you swimsuit with everyone looking at your rippling six pack. All eyes jealously admiring your suntanned, muscular physique.Ok here’s the truth, “there are no easy ways to build washboard abs”!But there are some ways that will give you fantastic results (and some that will waste your time).It seems as if there is a new “Super Fast Power Abdominals” gadget on the market every week. Most of them are totally useless and may do more harm than good. The only thing that will get a workout is your wallet.Some of them may work for a while but when the novelty wears off, it’s packed in the back of a cupboard, never to be seen again.They are all limited in what they can do. They only allow you to do a limited number of movements.

And then you get the next gadget out! You would need to exercise in a warehouse to get everything in. And that’s just for the abs!I have even seen for sale, on eBay, with bids, a sun mask to place on your abs so that you will get sun tan where the muscle separation would be. I can imagine all the couch potatoes queuing up for this one.If you do regular “Sit Up’s” for millions of reps you are very unlikely to build rippling muscles but you will have great endurance. If you do “straight leg sit ups” it is possible that you may damage your lower back due to the strain placed upon it. It may be better to avoid sit ups at all costs. The same with “lying straight leg lifts”.One of the best exercises for abs is crunches. Lay on your back with your feet on a chair or bench. Curl up your upper body towards your knees. At the top position, hold for a few seconds, while flexing your abs. You will only get a short range of motion with this exercise but it will work wonders.There are many variations of the crunch. Try doing them with a twist to work the side oblique muscles. Lying on the floor, try doing Jacknife crunches, raising your legs as you crunch, and try to reach past your toes with your hands.For best results you need to do between 8-15 reps to build abs that will be admired be everyone. And take all sets to total failure and some more. Some trainers say that in a set of 10 reps the first nine are the warm up and the tenth produces the muscle. I think this can be improved if you think that the one that produces the results is actually number 11!If you are carrying a layer of extra body fat you will never be able to display a set of washboard abs. Losing that extra few pounds can make all the difference. Counting every calorie that you eat is not my idea of fun. I like to eat a high protein diet and find it works for me. I enjoy lots of chicken, turkey, beef, milk, and cheese etc, eaten with plenty of healthy salads.Avoid all processed food and cut down on the carbonated drinks, even the “low cal” ones. You do not need the artificial sweeteners and chemicals.If you have a sweet tooth and are sometimes tempted to have chocolate it may be better to have a small bar occasionally instead of obsessing about it and then pigging out with dozens of candy bars.

Buy fresh fruit and each time you have cravings eat some fruit.As with any new program it is recommended that you start slowly and build up gradually as you gain experience. Even Arnold had to start with low weights and learn from more experienced bodybuilders.This article is provided as entertainment and no responsibility can be taken for loss or injuries incurred during physical exercise. If you have not undertaken any form of exercise for a while, please consult your doctor before starting any new exercise program.Above all, Have fun and be safe.

Share This

Yoga For Relaxation

People practice yoga for a variety of reasons. Many yoga practitioners are interested in the health benefits that come from regularly performing the routines. Others want a state of harmony between inner and outer self. Still others practice yoga primarily to relax. A State of Harmony The profound relaxation available through yoga includes a state of clarity of mind, and of harmony with and understanding of the world. If such a state of relaxation is your goal, you will need to use most of the yoga techniques available. Pay special attention to breathing, diet, correctly performing the exercises, and meditating. The deep, prolonged breath one learns through yoga helps the brain stay oxygenated, which contributes to mental clarity. Diet influences the structure of our body as well as our brain.

The exercises (called asanas and pranayamas) were developed thousands of years ago to produce beneficial results. To have the desired effects, yoga routines must be carried out correctly. Poor yoga practices will likely produce disappointing results. The Keys Your attitude and your focus are the keys to making your yoga experience deeply satisfying. Entering the profound stage of relaxation and synchronization between your inner and your outer self can occur only with appropriate action. Relaxation is actually a necessary part of every yoga routine. The body needs to relax after practicing the exercises, especially the more demanding ones. Certain asanas require an unusual positioning of the body, which can result in discomfort if the relaxation stage is omitted. Bridging Worlds Yoga connects the spiritual and material worlds, and relaxation is the bridge that brings the practitioner back fully to the present reality. As a general rule, during relaxation exercises, you will lie down comfortably and meditate. Your yoga trainer will suggest ways for you to gradually move and position your feet and arms. Yoga routines may have different relaxation exercises, but they all have the purpose of cushioning the shock of contact with the surrounding reality. Relaxation also helps to maintain a certain degree of peacefulness created by the routine. But talk is never enough. The only way to be sure of the relaxation benefits of yoga is to try it yourself. The only thing you have to lose is your tension.

Share This

Top Eight Tips to Get a Radiant Skin!

Young, fresh, healthy and radiant! Whether you are sixteen or sixty, this is how you want your skin to be. How do you seek to achieve your objectives? Do you propose to get the best skin care products? Or are you aiming for costly medications? Put it on hold for now. You could improve the texture of your skin through natural skin care. Before going to free tips for skin care beauty?, learn your skin type. The type of your skin could be normal, dry, oily, sensitive or combination. Your friends may insist that people with normal skin are the ‘lucky’ ones. But, it doesn’t mean that they should absolutely ignore their skin. Remember that natural skin care methods could go a long way in improving your skin.

Now, let us go through the following free skin care tips:

Tip #1: Cleanse Your Skin Do you apply heavy makeup when leaving for work? Then, don’t forget to remove the makeup after you return from the workplace. Your exposure to wind, sun, pollutions and even air conditioning could block the pores of your skin. You don’t have to run to the beautician to clean your skin. Just dip a piece of cotton wool in the milk and wipe your skin. You could also dip the cotton wool in almond oil and clean the skin under your eyes.

Tip #2: Eat Healthy Food Chocolate, candies, French fries and Pizzas! As delicious as they are, these food items are deemed to be the enemies of your skin. They could cause blemishes and make your skin oily. It is hard to digest the fact, but reduce the intake of these delicacies for the betterment of your skin.

Tip #3: Exercise Regularly The tasteless water could very well help in improving your complexion. Eight glasses of water along with regular exercise could have a positive impact on your complexion. What kind of exercises? Walking, running, jogging or even engaging in sports could have the desired effect on your skin.

Tip #4: Replace Your Dead Skin Cells Don’t ignore dead skin cells.

Note that you have to exfoliate at least twice a week to replace your dead skin cells. Do you have broken capillaries? In that case, care should be taken before exfoliating.

Tip #5: Reduce Exposure to the Sun Is it possible to escape the ill effects of hot sun? Exposure to the sun could leave your skin with blotches and premature wrinkles. Do you have to go out between 10: am and 3: pm? In that case, wear sun glasses and wide rimmed hats to prevent direct exposure to the sun.

Tip #6: Use Natural Moisturizer Is your environment surrounded by pollutants and dust? Then, it would be better for you to use a natural moisturizer. These moisturizers can protect and hydrate your skin. How do you prepare a nourishing mask at home? Blend white cosmetic clay with mashed banana and apply on your face. Wash after a few minutes.

Tip #7: Avoid Excessive Use of Cosmetics Excessive use of cosmetics could have an adverse effect on your skin and health. People remain unaware that most of the cosmetics contain dangerous chemicals like parabens, thus paving way for cancer. If not cancer, these chemicals could cause serious allergies. So, it is better to minimize the excessive use of cosmetics. Tip

#8: Maintain Healthy Lifestyle Are you addicted to alcohol and cigarettes? Then, you are sure to get all kinds of skin problems. Wrinkles and blotches may find haven in your skin. Stay away from alcohol and cigarettes if you want healthy skin. Try to stay cool, so as to avoid fatigue and stress. Taking care of your skin is hardly a difficult process. Healthy lifestyle with proactive skin care could leave the right impact on your skin. Care for your skin and it would never betray you.

Share This

Turn Down the Suck in Fitness

Exercise is good for you – there’s simply no doubt about it! However, I still meet clients on a daily basis who’ve vowed to dedicate themselves to an exercise program, only to quit after a month. Let’s face it, North Americans start and stop their fitness programs more frequently than they change their underwear. I understand that buying gym memberships and large pieces of fitness equipment is downright unaffordable to much of the population – especially when that membership looses itself in the back of your wallet or that high-tech treadmill is being used as the most expensive clothes rack your basement has ever seen. When I became a certified personal trainer I soon learned after talking to clients, and seeing them come to the gym for a while only to suddenly disappear, that the key to a successful fitness program is fun! That’s right exercise should be fun. I mean who ever said it should be a boring, tedious vacuum of your valuable time? For some reason fitness has negative connotations for many new clients that I’ve met recently. I hear “exercise is just too boring” and “if I exercise I’ll have no social life” all the time when I meet new clients. The fact is that we all lead very busy lives and exercise is often figured into it as an afterthought behind work, family, social outings and even poker night. So let’s face it if exercise is just another leisure activity on your weekly schedule it has to be something you’ll look forward to or you simply won’t stick to it. That’s why I encourage everyone who visits my website, fitnessgear101.com, to switch up the word ‘exercise’ for ‘leisure activity’. After all, you would be certain to pen a social outing with your girlfriends into your daily planner, so why not get the girls together and go to a spin class or on a power walk? In this day and age, fitness takes up on average an hour, 4-days a week of the average person’s time. So basically it has to be fun or people simply won’t put in that extra hour. The good news is that entertaining workouts have hit the fitness scene in a big way this year. Many are largely dance-inspired – including belly dancing, cardio strip, pole dancing and salsa dance workouts. I tried a pole dancing-strip cardio workout with a few of my girlfriends a couple weeks ago, and trust me it had me laughing so hard, that alone gave my abdominal muscles a workout. We started with pole dancing – which is far more challenging than it looks. Believe me, it takes a large amount of upper body strength to keep yourself suspended from a pole, and swinging yourself around it is reasonably cardiovascular. The cardio strip was more like the sweaty high-intensity cardio workouts that I’m used to. The workout mimicked exotic dance movements, so the hip thrusts, kicks and abdominal twisting works parts of your body you didn’t know existed. See, there’s absolutely no reason why fitness can’t be fun. Start by searching your local community centers and gyms for an activity that you really enjoy. Try tango lessons with your significant other, a bonding session of mother/baby yoga, a high-octane cardio kickboxing session with your best friend – all followed by a healthy lunch. By turning simple daily activities into something more rewarding, you get your fun social gathering and your workout in too!

Share This

Carbohydrate Cravings And The Atkins Diet

Carbohydrate cravings are difficult to deal with, especially when you are trying to maintain a low carbohydrate way of life. However, carbohydrate cravings are not just a matter of will power. As Dr. Atkins points out in his book, carbohydrates produce a flood of insulin and a rise in blood sugar. There is indeed a physical trigger for carbohydrate cravings, and it is one of the reasons that it is so easy to develop a high-carbohydrate, low protein way of eating.

There are many signs of physical carbohydrate cravings. You will experience a compelling hunger for carbohydrate rich foods. Overtime, you will develop a growing need for starches, snack foods and sweets. Additionally, you may experience cravings and weight gain after using some of the carbohydrate act-a-likes such as sugar substitutes and alcohol.

High carbohydrate foods are everywhere, which makes the cravings even harder to overcome. Eating the high-sugar, refined starch foods will feed your cravings and create more, much like a drug habit. In fact, high levels of carbohydrates produce high levels of the brain chemical seratonin, which is the chemical found in Prozac and other anti-depressants. So eating high levels of carbohydrates is self-medicating. People with low levels of seratonin are prone to using carbohydrates like a drug.

Tension and stress can also lead to overeating carbohydrate-laden foods. When we are tense, the adrenal gland creates more cortisol. Cortisol is a hormone that stimulates production of a brain chemical that causes carbohydrate cravings. It also stimulates insulin, which leads to blood sugar dips and more fat storage.

Considering all of these factors, it may seem impossible to live on a low-carbohydrate diet. However, following the Atkins plan is one of the best ways to break the cycle of carbohydrate addiction and take back your life and your health. The Atkins plan helps you take control of your cravings and rid yourself of years of damage caused by eating too many carbohydrates.

While on the Atkins diet, you may experience some carbohydrate cravings from time to time, especially during the initial phases of the diet. However, these will lessen as your body becomes more used to eating a protein-centered diet. In order to keep your cravings in check, eat small meals or snacks that contain protein every few hours. This will keep your blood sugars stable and avoid the “crash” you feel when you go hungry. Skipping meals will cause drops in blood sugar and leave you craving sweets.

Protein and fat, which are the focus of the Atkins plan, will give your body extended energy. Make sure you are getting enough levels of the essential fats. Sometimes an Omega 3 fish oil supplement will help stave off carbohydrate cravings.

Cravings for foods can sometimes be caused by dehydration. It’s a good rule of thumb to drink a glass of water before reaching for any type of snack. Sometimes thirst can mask itself as hunger. When your body is properly hydrated, it will run more efficiently and you will see a decrease in cravings.

Recognize that there is a physical addiction to carbohydrates that will need to be broken. Don’t worry if you feel overwhelmed with cravings for carbs after the first few days on the plan. This is normal. Your body is used to running on a diet full of sugar and carbohydrates. It will take some time to adjust to this new way of eating. Normally, these feelings don’t last more than the two-week induction period. Stay committed to this new way of eating and you will see the benefits quickly.

Share This

Going gaga over yoga

Pop icon Madonna is probably one of the most popular bi-products of commercialized yoga. Since she started to come out with that toned and buffed figure, women all over the world wanted to know what kind of diet she has been doing. When she revealed that she has been on her journey of self-discovery and has found a new source of spirituality, she also revealed her secret in maintaining her almost eternal youth look—practicing yoga that is.

But, aside from staying fit through practicing of yoga there is so much more about the discipline that people should know.

THE TRUTH ABOUT YOGA

Before becoming gaga over yoga, you should familiarize yourself first about what yoga really is, its origin, the many underlying premises behind the discipline and how can you benefit from it. Let’s start first by defining the foreign word that is yoga. Basically, the word “yoga” is rooted from a language of ancient India where it is originated—the Sanskrit. “Yoga,” in Sanskrit, means “union or joining.” It can either be a union that occurs between the mind and the spirit, between the body and the spirit or a joining of the mind, body and spirit as a whole.

But, the term “yoga” can be accurately defined by another Sanskrit word “asana” – the practice of physical poses or postures. Although “asana” is only one of the eight known types of yoga, both terms are now being taken as one because since both of them are concerned with mental and spiritual well being than in purely physical activity.

Since yoga has been packaged for the Western culture, it is now best described as a general term that includes various disciplines. And now, yoga is more popularly known to people as a form of discipline that varies from one concept to another. The term yoga is now also viewed as a discipline that deals with purely physical abstraction to purely spiritual conquest and to just about everything in between. If you are thinking of practicing yoga to improve your life, you must know hoe to convert its underlying possibilities to your own satisfaction.

THE ULTIMATE YOGA BASICS

If you are really interested with yoga, you should be willing to learn almost everything about it. First of all, you should define why you need it.

Some of the many different styles of yoga that being taught and practiced today include “hatha ,” the slow-paced and gentle style; “vinyasa,” the breath-synchronized movement style; “ashtanga,” the fast-paced and intense style of yoga practice; “iyengar,” bodily alignment style, “kundalini,” the breath in conjunction with physical movement style; and “bikram” or “hot yoga” which is practiced in a 95-100 degree room allowing the loosening of tight muscles and profuse sweating.

Aside from being an effective stress and anxiety reducer, practicing of yoga is also proven to increase strength, create energy, build and tone muscles, improve focus, concentration, and posture, reduce blood pressure, improve memory, and relieve pain.

Another basic thing you should know about yoga is that it requires an exertion or force through different poses. Done through the performance of poses, most people might think that yoga is just about stretching, utmost concentration and weird poses. True, you see people practicing yoga doing some sort of “acrobatic” stunts, but those stretching are not just simple flexing of muscles: these are creative processes that balance the body to develop agility, flexibility and strength. Since each pose has a specific physical benefit, the poses in yoga can be done in succession to create heat in the body through movement that will build-up an increase in stamina.

Share This

Your Best Key To A Healthy Diet: Variety

It has been said that variety is the spice of life, and that is certainly true when trying to eat a healthy diet. No one likes to eat the same thing day after day, and boredom is the enemy of a healthy diet. Fortunately for those trying to follow a healthy diet, there is plenty of variety to be had in healthy foods.

In addition to the hundreds of varieties of fruits and vegetables available at the average grocery store, there is a wide variety of beans, lentils, nuts, meat, dairy products, fish and poultry. There is no need for boredom to set in when pursuing a healthier lifestyle.’ The key to enjoying a variety of foods while eating healthy is to plan meals carefully and be sure to use the many varieties of foods that are available. Using a combination of fresh fruit, vegetables, meats and whole grains, it is possible to create a fresh, exciting and healthful meal every day of the week.

Nutritionists often stress the importance of a varied diet, both for nutritional and psychological reasons. A varied diet is essential for good health, since different types of foods contain different types of nutrients. And following a varied diet is important to your psychological well being as well, since feeling deprived of your favorite foods can lead you to give up your healthy lifestyle. It is much better to continue eating the foods you like, but to eat them in moderation. Instead of giving up that juicy bacon, for instance, have it as an occasional treat, perhaps pairing it with an egg white omelet instead of a plateful of scrambled eggs.

As with everything else in life, good nutrition is a tradeoff. It is important for everyone to eat foods from the five major food groups each and every day. The five food groups identified by the USDA include grains, vegetables, fruits, milk and dairy and meat and beans. Each of these food groups contains specific nutrients, so it is important to eat a combination of these foods to ensure proper levels of nutrition. Of course simply choosing foods from the five food groups is not enough.

After all a meal from the five food groups could include cake, candied yams, avocados, ice cream and bacon. Although all five food groups are represented, no one would try to argue that this is a healthy day’s menu. Choosing the best foods from within each group, and eating the less healthy foods in moderation, is the best way to ensure a healthy and varied diet. For instance, choosing healthy, lean meats is a great way to get the protein you need without consuming unnecessary fat and calories. And removing fat and skin from chicken is a great way to eliminate extra fat and calories. When choosing breads and cereals, it is usually best to choose those that carry the whole grain designation.

Whole grains, those that have not been overly refined, contain greater nutritional qualities and fewer sugars. In addition, many grains and cereals are fortified with additional vitamins and minerals. While this vitamin fortification is important, it should be seen as a bonus, not as a substitute for a proper diet. Many foods are supplemented with important nutrients such as calcium (essential for strong bones and teeth) and folic acid (important in preventing birth defects). Substituting healthier foods for less healthy ones is a cornerstone of a healthy diet. For instance, substituting lean cuts of meat for fattier ones, and substituting skinless chicken or turkey breast for less healthy drumsticks, is a great way to maximize nutrition without sacrificing good taste.

No matter what your reason for following a healthy diet, or what your ultimate fitness goals may be, you will find that a good understanding of nutrition will form the basis of your healthy diet. Understanding how the various food groups work together to form a healthy diet will go a long way toward helping you meet your ultimate fitness goals. Whether your goal is to run a marathon, lose ten pounds or just feel better, knowledge is power, and nutritional knowledge will power your diet for the rest of your life.

Share This

Surrogacy – Finding A Surrogate Mother

Once you have made the difficult decision to turn to a surrogate mother to help you have a family, it can be hard to know what to do next. You will have spent a long time considering the emotional implications on yourself and all the other people involved, but now you may be unsure about the practicalities of surrogacy. The first thing to decide, with a medical professional, is what type of surragacy you will need. For instance, artificial insemination is an option for couples in which the woman has lost, or never had enough, egg cells. The surrogate mother is artificially inseminated with sperm from the male partner. The child will therefore by genetically related to the surrogate mother and the male partner. In order for the intended mother to be legally recognised as a parent of the child she will have to adopt the baby once it is born. It is highly important to sign a legal agreement with the surrogate, saying that she will give the baby to the intended parents. Sometimes, the intended parents agree to give the surrogate visitation rights – but all these details should be arranged before the birth. Another surrogacy option available, depending on the cause of infertility, is gestational surrogacy. This technique combines the sperm and egg cells from the intended parents in the hope of creating an embryo – in the same way that IVF does. The embryo or embryos are then transferred to the surrogate womb. Whichever method you use, the choice of surrogate mother will be a difficult, but also exciting, decision. Some couples have a surrogate in mind, such as a close friend or family member. Such independant arrangements have the benefits of a greater level of understanding between the planned parents and the surrogate, and an oppertunity for the surrogate to stay in touch with the child. It is also considerably cheaper than going through an agency. However, remember that you will need to stick to the same legal protocal as you would with a stranger. The contract should still be drawn up by attornies representing both parties. The person you choose and their partner will have to undergo medical testing, and you should agree any behaivor modifications before hand. You should be prepared for your relationship with the person to change during the pregnancy and after the child is born. A surrogacy agency is another solution. Whilst it may feel odd involving a stranger in such a personal experience, it is reassuring to know that the women involved have volenteered to help people like you, and have undergone vigorous checks. A good agency will keep you informed through all the stages of your application. You will have to give detailed information on your medical and psychological history – but so will your potential surrogate. Experienced co-ordiators will find a surrogate whose situation is compatible with your needs. As your nearest specialist centre may be a long way away, the internet is a good tool for preparing in advance of your application and meetings with potential candidates. Things to check out include: what the centre requires from a surrogate (in terms of health, age, previous births and psycological profile), what legal issues you need to think about and how much the whole experience will cost. Think long and study hard to find out what is best for you, and you will have prepared yourself for a successful surrogate pregnancy.

Share This

Wanna To Live To 100 Try The Ok Diet From Okinawa

Okinawa is an island located south of mainland Japan and is known as the site of the largest U.S. military amphibious operation during the Second World War. Today, it is better known as the source of the “Okinawa Diet” — a simple yet effective weight loss program. The Okinawa Diet is about eating plenty of plant-based food which include large quantities of tofu and locally grown vegetables. This eating plan also prescribes the consumption of different varieties of fish rich in Omega-3 fatty acids, seaweed, and other organic products that are high in protein, rich in calcium, and low in fat. In fact, it is not unusual to find Okinawans who are at least 100 years old. The island has been recognized as having the most number of centegenarians in the entire world. To this day, the incidence of heart disease, breast cancer, prostate cancer is still rare in the island.

The growing problem of being overweight and obese in the United States has made the Okinawan Diet very appealing. Many overweight individuals have tried taking a diet pill to minimize hunger pangs and , in the process, reduce food intake. Other weight loss diet pill formulas work by preventing the absorption of fat into the body, most of which come from fat-laden meats.

Since most Okinawans rarely eat meat, weight gain is hardly a problem. It is highly unusual to see overweight or bulging Okinawans. Most of them have retained the short but slim physical appearance of their ancient ancestors who were mostly hardy fisher folk and farmers. The key to the effectiveness of the Okinawan Diet is the philosophy that is best encapsulated in the phrase, “food as tonic, food as medicine.” Islanders have been strongly influenced by the food culture of China, Korea, and Mainland Japan — all which emphasized the medicinal and therapeutic value of certain food groups. In many Okinawan homes, the mother or the person who prepared the food usually serves the meal by saying, “Please eat this. This food is good for healing this or that illness. Eating is good for you.” After the meal, the people who ate the food would say, “Kusuinatan!” The word “kusuinatan” is an Okinawan term which means, “The food is good. My body feels good. Food is like medicine.”

Aside from eating healthy food, Okinawans are also lead very active lifestyles. Island residents, young and old, practice the martial arts, engage in folk dancing, and tend their own gardens. These activities provide them the opportunity to break out a sweat and release toxins from the body. By being active, they are able to improve their cardiovascular health. Many centegenarians in Okinawa engage in karate and traditional dancing called “rojin odori” because they see these activities as sources of “ikigai” or sense of purpose. Unlike their Western counterparts, the senior citizens of Okinawa have maintained personal care through individual exercise while also remaining physically active in their community.

In the United States, for example, it is not uncommon to see senior citizens in nursing homes living comfortable yet sedentary lives. The inactive lifestyle and fat-rich, high-carbohydrate foods have contributed to the rise in heart disease and other ailments among many Americans. While not all Americans have the taste or discipline to follow an Okinawan-style food regimen, weight control can still be undertaken with the assistance of a doctor or health care professional. Aside from enrolling in a fitness gym, people who need to lose weight can consult their doctor about prescription weight loss pills that can help reduce the appetite and prevent fat absorption. A number of products out in the market claim to be the “best weight loss pill.” Weight watchers should get information from their doctor or from the U.S. Food and Drug Administration about safe and effective weight loss products lines. Only FDA-approved weight loss pills should be bought and consumed since many unproven products are now being sold openly even if the safety of these items remain questionable.

People who are serious and committed to losing weight should study the benefits of the Okinawan Diet as well as those of other diet programs. While living up to 100 may not be an attainable goal for many Americans, it is never too late to turn back from unhealthy eating habits. Like Okinawans, many Americans today must also get back to healthy, active living which entails eating the right food in the right amounts; and by being passionate about an art, activity or event that can provide them their own sense of purpose in life.

Share This

Translation of Italian Recipes: Localization?

Translation – Translation is mostly about the conversion of a document from one language to another. The document is kept as it was originally intended and written, therefore having the same meaning. Localization – Then translation may involve localization. This is when the translation is completed ‘and’ adjusted for the target audience. The meaning remains. Now let’s talk about Italian food. Generally when I want to try an Italian recipe, I look for a version from where the recipe is from. Why? Because recipes get localized too! The Italian people keep to strict recipes. They also know that certain regions of the country are best for certain foods. For instance Naples for Pizza and Genoa for Focaccia. So why do any recipes get localised? 4 Reasons for Recipe Localization 1) To meet the tastes of the new market – The original blend of flavours is not quite to the tastes of the country where it has been adopted. 2) Unable to find the ingredients – Maybe the ingredients just do not exist in the new country. Or maybe they are prohibitively expensive. 3) Unable to obtain the ingredients with the same flavours – The meat is not as salty perhaps? 4) Time – Let’s face it; people are always looking for ways to make things faster and easier. Italian recipes are not designed to be speeded up.

The pasta should often be ‘al dente’ not stodgy like in a Pizza Hut. Italian food is generally a few simple ‘good quality’ ingredients. It’s the quality of those ingredients, the ability of the chef and of course the pallet of the consumer that make the difference. For me, the localization of recipes should only be carried out if you are unable to find the ingredients required and then it becomes a different dish.

The Indian dish ‘Chicken Tikka Marsala’ is a good example. It was created from the available ingredients 25 years ago in Birmingham. Not a localization of an existing dish. Ironically, the dish can now be found in restaurants in India. I believe that recipe translation is all that is generally required. So the next time you are searching the web for a recipe, please consider whether you want to search a little harder and try the real recipe.

Share This

Why You Lose Your Youthful Skin Appearance

If you want to keep your youthful skin appearance, you need to know why your skin starts to change as you age. I have listed some of the most important things that affect skin appearance and some of the ways to prevent the skin from aging too fast. The sooner you start applying these ideas the longer you will keep your youthful appearance. As you age here are some of the changes that will occur:

* Your top skin layer, epidermis, becomes thinner and more fragile * Your skin becomes drier, since oil glands produce less oil

* The number of blood vessels decreases in your face and throughout your body. Blood brings nutrients to your skin cells, giving your skin a healthy and rosy look * Less skin cells are repaired or replace quickly

* The sun and pollution start to show their effects on your skin by breaking down collagen and elastin, which give your skin its elasticity.

* Your good or bad diet starts to show it effects on your skin. Your bad diet did not provide the nutrients your skin needed to be flexibly, hydrated, oxygenated, and healthy.

* The un-healthy skin products you have been using start to show their bad effects on your skin. Now, you can see that skin beauty is dependent on what kind of food you eat, how you have exposed yourself to the sun and pollution, and what chemicals your facial and skin products have. Excessive exposure to the sun and pollution will damage your skin and accelerate its aging appearance – age spots, blotches, wrinkles, roughness, sagging. Here are some things you can do to slow down the aging skin.

* Use sunscreen every day – You can slow down wrinkle formation and even prevent it, if you use sunscreen early in your life. Use sunscreen that contains Zinc Oxide. It is better then those that have Titanium Dioxide. Daily, use a broadband SPF 15 and for heavy out door sun activities use SPF 30. If you wear makeup, put your sunscreen on first. * On hot days and even when it is overcast use your sunscreen and a hat. Stay in the shade when possible.

* Keep away from highly polluted areas and don’t smoke. Smoking changes the elasticity of the skin fibers leading to rough and wrinkled skin. * Get enough sleep. Your skin repairs itself when you sleep.

* When you sleep, don’t sleep with you face into the pillow.

* Drink plenty of water. Your skin loses water during hot days and needs plenty of water to keep hydrated. Water is found in raw fruits and vegetables. Sodas, sugar drinks, tea, (except herbal teas) coffee, or milk are not water. Rotate between buying and drinking Reverse Osmosis and Distilled water.

* Minimize drinking alcohol. Alcohol can lead to spider veins and broken capillaries. It also causes your skin to become dehydrated.

* Eat more fruits and vegetables. They provide plenty of antioxidants, which protect you from sun and pollution damage.

* Take an antioxidant supplement, which should include up to 2000 mg of vitamin C. You may have to take the Vitamin C separate. Start using these ideas and you will see improvement on your skin. This improvement may take a few months to appear on your skin. Be patient and persistent and you will be rewarded with good skin appearance.

Share This

Joe Doe in London, England purchased a

Ninja Silhouette

About 9 hours agoe
Ninja Silhouette 9 hours ago

Joe Doe in London, England purchased a

Joe Doe in London?

Joe Doe in London, England purchased a

Joe Doe in London?

Joe Doe in London, England purchased a