Category Archives: Physical

Wine, Women & Wealth seminar – May 2016

This month we have another first time male (gasp!) speaker, physical trainer Colby Ebanks. He spoke about what to look for in a personal trainer before opening it up to the audience members’ questions.

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A Personal Trainer Should:
  1. Focus on your goals more than anything.
  2. Tailor make a fitness program for your specific needs.
  3. Vary your workouts from day to day by how you feel.
Colby mentioned that trainers that he has worked with in the past have their own goals and agenda for their clients and don’t really take into account what the client wants out of their workout plan. If this has been your experience, he suggested to either push your trainer to make the switch or find another trainer.
On the second note, he clarified that you can tell if your trainer ahs made a plan specifically for you based on whether he or she has looked at you analyzing how you are built and what health and physical condition you are in. Lastly, he spoke on how stress and other emotional issues can have a physical effect on how your body responds to your workout on any particular day. Therefore a good personal trainer will be able to vary your workout based on the type of day you’re having.
Here are a few of the audience questions and his responses:
Is there an advantage to vegan/vegetarian diet?
For the average everyday person there is no advantage to being vegan or vegetarian. Those diets are advantageous only for specific physical conditions, like people who have high blood pressure, blood sugar issues, or a hereditary predisposition for certain health concerns.

I have an active job so do I need to work out?
The professional recommendations  are 300 minutes of  light/moderate exercise per week or 150 minutes of high intensity exercise per week.

There were some different types of exercise he mentioned that you may want to add in if your job did meet the 300 minutes of light/moderate exercise recommendation, so check with Mr. Colby Ebanks for the specifics.

The next speaker of the evening was the one and only, the original WWW male speaker, Frank Demeno.

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He began by asking the audience what do you think of when you hear the words ‘financial plan.’ Some of the responses from the audience were

  • Saving money
  • Investing
  • Retirement – IRA/401K
  • And surprisingly, Life Insurance (the topic which Frank was going to speak)

The audience member who mentioned life insurance had a personal story which I found moving. Her family thought they had done the right thing in purchasing term life insurance for her mother. Unfortunately, however, her mother outlived the term &  they only received $1.57 when she died.

People are often sold on term life insurance because of it’s low cost and don’t think about the reality that the majority of these policies expire without paying out (i.e. you don’t die during the term). The common phrase is to ‘buy term & invest the difference’ which is a good idea until you insert people. Americans don’t tend to invest the difference; this is a nation of consumers. That’s why a permanent life insurance like an indexed universal life policy is like a better strategy.

But permanent life insurance is too expensive?
Is it really? Yes it costs more but you can’t outlive your policy as long as you make those monthly contributions and you build cash value. Cash value that you can use tax-free, whereas with the other investment options (savings and retirement plans) you’re paying taxes continually or when you need the cash during retirement. What’s more expensive: sacrificing a little bit now to have a lot later or being in dire need later during your retirement years or during the turmoil of losing a loved one?

Well I’ll just buy term and be very dedicated about investing the difference to build up savings for myself and my family.

Life insurance builds a financial future by saving money, but you get the estate up front. An indexed universal life policy is like buying term and having the insurance company invest the difference for you. But while that investment is growing, if you happen to die your family still gets $250,000.

If you had to spend $70,000 now for a quarter million dollar estate, could you pay it? Most people would answer “No.”  Well, how about if we do it the American way & set up a payment plan $175 a month?

Now if you tried to save $175 each month, how long would it take you to get to $250,000? Frank had the audience calculate it and it would take about 119 years. So let’s say you get the inexpensive $250,000 10 or 15 year term policy and save $175 a month. At the end of the term, 1) you don’t have a $250,000 saved and 2) you no longer have a life insurance policy that pays out $250,000 on the event of your death.  Now you’re 10 or 15 years older making the next term policy a little more expensive and maybe challenging your monthly $175 savings plan. Which do find to be the more sound path to take?

 The last point Frank made this evening was if you take a 1 year old & create a $250K policy, they would be a millionaire by their sixties. So grandparents instead of that trip to Disney World, contribute to your grandchildren’s indexed universal life policy.
Ladies, if you’re in the Jacksonville area be sure not to miss June’s Wine, Women & Wealth seminar with summer travel tips and how to create your own pension. Check back for more details.
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“How to Stop Binge Eating” by Dick Talens

I came across a couple of emails from this guy Dick Talens in an email account I rarely check (lately that’s been all of them).  He’s described on his site as “the dog whisperer for fat people”; his words not mine before any angry comments pop off. At any rate his articles are helpful and so we’re sharing one below. Be sure to visit his site for more.

How to Stop Binge Eating

by Dick Talens

I’ve struggled with binge eating for as long as I can remember.

Some people might be shocked by this, but for those of you who know me offline and have seen me scarf down not just one whole – but two or more pizzas – you already knew this.

For the most part my binge eating is completely under control; that is, I only binge eat for funsies. Let’s face it, there are few things more fun than shoveling a bevy of delicious pastries down your throat until you create the perfect environment for mandatory nap time. I take that back. It’s more fun if it’s after all-you-can-eat sushi.

Anyway, I don’t know anyone with a more powerful “inner fat kid” than myself. Here’s how I was able to squash binge eating in its tracks for both me and my clients: Continue reading “How to Stop Binge Eating” by Dick Talens

My fave fitness app

About a week ago a friend of mine mentioned having a gym membership but needing some help with what routines to do. The cost of a personal trainer was prohibitive. Immediately my favorite fitness app, Fitocracy came to mind and a post I reblogged last year. The portion of the post can be found below along with the link to the full post. The individual exercises that you can pick are mentioned. However what wasn’t mentioned in the post (possibly because this feature was added later) is that Fitocracy has routines that you can pick from based on your goals. This is what makes this app tops in my opinion.

FITOCRACY

Fitocracy is a great way to stay motivated and meet like minded people who actually want to help.

I’ve been using this website for a while now and it acts as my main source of motivation. At the base of Fitocracy is a system of tracking your workouts (through their free web application, or the iOS and Android apps), getting points for each of your exercises, and then leveling up when you reach a certain amount of points. This is actually a surprisingly great way to stay motivated as you aim to keep advancing yourself each time you exercise, you end up getting addicted to earning leveling up meaning you have another reason to get out there and keep going.

They have a large database of exercises which you can choose from making it quick, easy and satisfying to track your workouts

The motivation gained just by being able to level up just by exercising is enough of a reason for you to start using Fitocracy, but another great reason is the awesome  and helpful community. Have a question? Need to get someone to check on your technique? Someone in the Fitocracy community will be willing to help you get things right, and they’re great at motivating you too.

[Check out Fitocracy here]

Read the full article on other fitness apps here https://suddenrealisation.wordpress.com/2013/01/27/my-most-useful-fitness-related-tools/

Grumpy Cat’s Guide to Gym Hygiene

I love cats and appreciate working out. Perfect blog combo!

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Grumpy facial expression Exotic tortoiseshell cat

Let’s pretend we gave Grumpy Cat a gym membership.

Grumpy Cat doesn’t want to go to the gym, doesn’t care if you go to the gym, and doesn’t enjoy being at the gym. Grumpy Cat would rather sleep all day in a sunny window. But you spent the money and now you’ve committed Grumpy Cat to show up at the local gym. He will go, but he will be Grumpy and let me tell you why.

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Making Small Changes to Re-energize Your Life

This article was encouraging to me since I've recently slid away from wearing my pedometer & working on my various 30 day fitness challenges.

Making Small Changes to Re-Energise Your Life
By Katherine Helen Jackman

Staying fit can sometimes be a challenge, but so can getting the motivation to even start a productive fitness regimen. When you get home from a long day at work, the first thing you really want to do is sit down and put your feet up. But sometimes you have to push yourself through the end of day slump and get yourself re-energised, giving yourself the motivation you need to really make a difference.

Of course, the prospect itself can be daunting. Losing weight, getting fit and building muscle are all long-term goals, and sometimes even the idea of having to keep up a certain routine is enough to stop a person from even starting. In other cases, people simply don’t have the time to do a real work out, and so they suffer for it.

How can you make the transition from couch potato to Adonis with minimal disruption to your daily life? Can you even get the body that you want without a gym membership? The answer is yes, and here are a few simple changes that you can make to change your life for the better.

Incorporate exercise into your routine

This sounds hard, but it doesn’t have to be. Regular exercise can be extremely beneficial for a person beyond the obvious advantages; not only does it help you become healthier physically, but it can also improve other aspects of your life. For example, exercise can be great for stress relief and regular exercise improves your sleep patterns.

The key is to incorporate exercise into your routine in a way that is actually achievable. If you know you’re less likely to exercise after work, then don’t. Exercise before work instead. What’s important is that you give yourself no excuses.

Find activities you enjoy

Exercise doesn’t have to be a tedious chore, and just because all of your friends like to get up for a 6am run doesn’t mean that you have to do the same. You’ll be more likely to persist with exercise when carrying out activities that you enjoy, creating a workout that you find engaging and enjoyable. If you actually want to exercise, you’ll be much more likely to do it frequently.

By the same token, don’t pick one exercise and stick to that, because your body will eventually become accustomed to it, slowing your progress. Have a variety of activities you can do to keep things varied. For example, you might go swimming one day and to a self-defence class the next.

Change your diet for the better

It may seem obvious, but it can’t be stressed enough how important a good diet and proper hydration is, especially when it comes to exercise, weight loss and body building.

Changing your diet doesn’t just include what you eat and drink, especially if you’re really serious about getting fit and building muscle. There is a variety of natural sports supplement powders that you can use to aid your body’s breakdown and recovery during an intense workout. Just be careful and ensure that you carry out thorough research before making a purchase; there’s a difference between using something like MET-Rx protein shakers and body supreme whey diet protein, and it’s important that you understand those differences and know how the various supplements available can be beneficial to you.

Keep Going!

This is the hardest part of all, but a bit of perseverance will go a long way. Getting motivated is easy, it’s staying that way that presents a challenge, so make sure that you don’t let the fire die out! Do whatever you have to so you can keep pushing yourself further; if you hate exercising alone, ask friend or your partner to exercise with you. If you’re struggling to get out on time in the morning, prepare your gear the night before.

They key, as mentioned earlier, is to allow yourself no opportunities for excuses. It doesn’t matter if you’re not an amazing athlete from day one, what does matter is that you just keep going.

For more information, visit http://www.sshealthfoods.com

Article Source:  Making Small Changes to Re-Energise Your Life