Essential Exercises

Despite the fact that virtually every year a new crop of fad exercise trends spread like wildfire throughout the fitness industry, there are a number of tried and true essential exercises that continue to stand the test of time. With that in mind, here are my top 4 essential exercises for optimal health.

1. Balance: No matter what your age, balance is a key component to being physically fit. Developing good balance is the best way to protect your body from injuries due to overuse. So, whether you're a perky twenty-something or a keen octogenarian, maintaining your balance is a must. All of us have a dominant side - the side of our body that bears the brunt of the load as we go through our regular activities of daily living. Working to improve your balance ensures that both sides of your body are equally strong.

Load Balancing

One-Legged Standing:
a. Balance on one leg. Hold for at least 3 seconds to start.
b. As you progress close one eye and keep balancing.
c. Next, close both eyes see if you can hold still. Challenge yourself each day by holding the position for longer periods of time. Perform this exercise on each leg.

2. Your Heart and Lungs: Your body's blood flow and oxygen intake depend on the proper functioning of your heart and lungs. Good cardiovascular (heart and lung) training is as simple as walking. Just 20 minutes a day at a pace that increases your heart rate can greatly reduce your risk of developing many health problems, including diabetes and heart disease. A quick walk during your lunch break, after dinner, or with your dog will do the trick. So, get out there and hit the pavement.

3. Strength: The basic squat is great for strength. This exercise strengthens your legs and all the muscles that keep you standing tall. Squats can be done even if you have bad knees. Remember, a little bend is better than no bend at all.

The Basic Squat:
Set up: Stand with your feet slightly wider than your shoulders, with your upper body up tall. Keep your toes pointed forward and your arms resting at your sides.

Movement: Contract your abdominals to keep your upper body stable. Gradually lower your body, by bending your knees, until your thighs are almost parallel to the floor (or as far as you can without knee pain). Be sure to keep your weight back in your heels. Pause for a moment at the bottom of the movement before returning to the start position. Exhale on the way up and inhale on the way down. Take your time - move in a slow and controlled manner. As you perform the squat your upper body will lean slightly forward - this is OK.

Tips: When you do this exercise be sure to keep your knees from passing the front of your toes.

4. Your Core: Keeping your core strong is important because your core muscles are the source of much of your body's power and stability. The best core exercise is the plank, which works all of the muscles in your abdomen and back.

The Plank
1. Lie face down on a mat with your forearms and palms flat on the floor.
2. Push up off the floor, raising up onto toes and resting on the elbows.
3. Keep your back flat, in a straight line from your head to your heels.
4. Tilt your pelvis and contract your abdominals to prevent your rear end from sticking up in the air.
5. Hold for 20 to 60 seconds, lower and repeat for 3-5 reps.

A well rounded exercise program should incorporate core conditioning, strength training, cardiovascular fitness and balance work. So try these essential exercises to keep your body in tip top shape.

Essential Exercises

Important Notes for Financial Accounting Services

Financial accounting is providing information such as balance sheet, profit and loss accounts for taking financial decision. It could be produced in front of the external agencies like government department, income tax authorities, shareholders, as well as creditors who analyze the financial strengths and weaknesses of a company. Financial accounting services include only the monetary aspects of the business. In the company's financial year end financial accounting is handled by certified accountants who produce two fundamental financial reports such as the balance sheet as well as the profit and loss statements.

• Experts to work for you

Load Balancing

Finance department is the pillar for every firm. Therefore, financial accounting should be supervised by skilled professionals who help in enhancing overall progress of the business. In a business, financial understanding is essential to administer all types of expenses including sales and purchases, fixed and overhead expenses, etc. The expenses need to be noted down in the accounting ledger to verify the annual budget. These transactions are later revised at the financial year end, in order to check the cash flow of your business.

Financial accounting services keep a record of the financial transactions systematically for any business and make it easier to take correct financial judgments. Maintaining proper financial records, it is helpful in yearly transactions as well as report preparations.

• Outsource for efficient results

Outsource your financial services to the most consistent service provider who would ensure efficient running of your business, and help you to save your time and concentrate on other key issues of your business.

It is essential to have proficient financial accounting services work for you as a single mistake can cost heavily into major losses to your company. Having an experienced accounting service work for your firm is essential for efficient financial and accounting management. Providing the financial details of your organization and having skilled work force these companies are capable of preparing detailed reports such as balance sheets, as well as profit and loss account, etc.

• Choosing right company

Outsourcing Bookkeeping Services can work for all your tax and financial planning. It can also offer you with business tax planning providing individual attention. It is one of the most advancing accountancy firms providing business advice and tax consultancy based in India and its fundamental motive is to help its clients to provide with additional time to concentrate on its core business activities by reducing the load of financial planning issues. Visit: http://www.outsourcingbookkeepingservices.com to outsource your financial planning needs.

Important Notes for Financial Accounting Services

How to Get Your Employees to Manage Their Work Load - Time Tracking Software is Not the Answer

When I was running my engineering practice one of my biggest problems was keeping the workload balance distributed amongst the staff. What makes this particularly challenging is when employees do not take responsibility for their own workload.

Many workers assume that it is your responsibility to keep them busy rather than their own responsibility to know what needs to be completed and do it.

Load Balancing

I cannot count the times that I had an employee stroll into my office to tell me that they were out of work. And they always managed to do this just as I was leaving the office for a job site visit. This meant that until I returned, they were going to be wasting time and costing me money.

I am not alone. I have seen this happen in architecture and engineering firms around the globe. But there is hope.

Time tracking software is a good start but not the answer.

I discovered a way to minimize this issue, so here is the secret. Each Friday have everyone in your firm forecast which jobs they plan to work on next week and how many hours they plan to spend on each project. This forces them to plan their own workload. Have them fill in a simple spreadsheet with their forecasted values.

You can then use these forecasted hours in your Monday morning planning meeting. You may as well notice that your staff will be looking for work on Friday rather than waiting until they run out of work. So start a new Friday tradition and have each of your employees plan their workload for next week. You will be amazed at how much better your weeks start to look.

Want to learn 7 unique strategies to accelerate your cash flow, grow your firm, improve your profits?

How to Get Your Employees to Manage Their Work Load - Time Tracking Software is Not the Answer

The Guaranteed Way To Slim Down With A Big Early Morning Breakfast

Do you know that?

Eating that a big bowl full of food of different varieties could be of health benefit after all?
Research has shown that besides helping you eat less in the day, a big breakfast might also help you lose weight and more over, you need to be very smart about it.

Load Balancing

It may be hard to accept that you can actually load yourself up un order to slim down but experts has shown that eating big breakfasts of 600-calories or more of healthy carbohydrates and protein, for example a meal of scrambled eggs, whole-wheat toast, diced turkey and a banana, will make you lose weight than dieters who consume only half that much.

The simple reason according to researchers is that eating a large balance breakfast in the morning helps reduce carbohydrate cravings later in the day-especially if you re reducing carbohydrate and calories in order to lose weight.

For a healthy and better breakfast you can make your morning meal really count by introducing eggs back on your menu. It is healthy to make scrambled eggs, particularly the albumen part of egg as your breakfast menu.

The rules to follow religiously are:

1. Don't ever skip breakfast.

2. Always eat right not less.

3. Your meal musts be a balance diet.

4. Eat breakfast of 600-calories or more.

5. Try the diabetes breakfast ideas in any recipe box, if you have high blood sugar,

Above all eating right and smart will help to lose all those fat in your body. Healthy breakfast gives you energy and a morning meal gets your metabolism going.

The Guaranteed Way To Slim Down With A Big Early Morning Breakfast

Flax Seed - Serves A Balance In Human Nutrition

Nutrition plays an important role in the prevention of major diseases. And obtaining adequate nourishment from each of the major food groups becomes a critical factor to sustained health. Two of the most controversial dietary compounds in the context of human nutrition are carbohydrates and fats. Diets typically high on carbohydrate compounds often merit elevated blood sugar levels in the bloodstream that initiates the underutilization of stored fats as an energy resource. This is a consumption preference that triggers the build up of body fat as well as the onset of type 2 diabetes and cardiovascular ailments. You see, saturated fats and transfats are not the lone precursors to obesity and diseases. High carbo-loading with the propensity to consume excessive grams of saturated fats on a daily basis puts our health on the line, especially when complemented by a sedentary lifestyle.

Luckily, we are able to derive from nature a corresponding nutrient in the name of Omega 3, an unsaturated type of fatty acid not synthesized by the body-though richly available in the willowy kernels of the flax seed. Trapped inside the kernel is the Omega 3-enriched essence of flax seed oil that conveys to the body the cardiovascular benefits of HDL or the good cholesterol-a lipoprotein that employs a sweeping action on the cavities of the arteries. By clearing the undue build up of LDL or the bad cholesterol over arterial walls and transporting them back to the liver, the risks of hypertension and heart attacks are prevented.

Load Balancing

Consequently, Omega 3 fatty acids in flax seed support the body's metabolic functions and likewise regulate blood sugar levels by enhancing arterial circulation. This package of health benefits makes flax seed a perfect dietary supplement to compensate poorly nourished diets made up mostly of empty calories, saturated fats, transfats and carbohydrates that may now have taken its toll on body weight, the heart and liver-on their way to switching to balanced diets and more active lifestyles.

It's amazing how the tiny kernels of flax seed can bring about a threshold of benefits to human health. For a society that puts the blame on fats for its present health woes, an unsaturated type of fat-that is Omega 3, likewise becomes the antidote to the health hazards delivered by saturated fat and transfats to the human body; all the while mitigating the imminent risks of diabetes in the abandoned frenzy of excessive carbo-loading. In the end, flax seed nutrition truly becomes an essential factor to continued health and wellness.

Flax Seed - Serves A Balance In Human Nutrition

How to Buy Energy Efficient Appliances

Be sure to check out Part 1 of this article (Do You Own Energy Efficient Appliances?).

Now that you've determined which of your appliances need to be shipped out and replaced, you need to know what to be on the lookout for.

Load Balancing

In this analysis phase, you need to compare your findings from the discovery stage with the details of newer appliances. There is no magical threshold to be met, since everything is relative. Simply go to your local hardware store and look at the Energy Star ratings. One of the best indicators of the efficiency of new appliances is the Energy Star tag. This tag will display the number of kWh the appliance uses (also known as the Energy Guide Rating), as well as an estimated annual use cost. Clearly, you want to look for the ones with the lowest values. This equals less energy use and a lower power bill. Compare these number to what you have at home. If you don't have numbers to compare it to, this itself might be a sign that you are in need of a newer more energy efficient appliance.

Once you have learned which appliances need to replaced, it's time to get out there, and find some new appliances. During this research phase, you'll want to keep your eye open for certain requirements and features. Some things you want to watch for are the following:

Refrigerator

1) "Energy saver" switch - This can turn off the anti-sweat heaters, which help reduce moisture. Fortunately, this is not needed most of the year.

2) Smaller unit size - The smaller the refrigerator, the better. There's no reason to cool more area than you need.

3) More insulation, such as heavy door hinges which prevents cold air from escaping.

Washer

1) Front loaders typically have a higher capacity and lower water usage. This is over the older-style top loaders, which typically have an agitator built in the center.

2) High spin speed to remove excess water. This help reduce the amount of time needed to fully dry your clothes. The more water your washer removes, the less drying time you need in the dryer.

3) Load size sensor to reduce the amount of water used for smaller loads. This sensor will automatically detect the size of your load, in order to reduce the total amount of water needed.

Dryer

1) Moisture detector to prevent unnecessary drying time. Once the dryer senses the majority of moisture has been removed, the dryer will notify you to end the cycle, if desired.

2) Find a dryer that is large enough to reduce the overall number of loads. If you can run one larger load, versus 2 smaller loads, you will reduce the total energy needed. This is mainly due to the dryer already being heated, versus having to heat it twice from scratch.

3) Note: Dryers are NOT Energy Star Rated. This means you will not find an Energy Guide Rating sticker on dryers. The main reason for this, is most dryers use a similar amount of energy.

At this stage you should have narrowed down your choice of appliances. Of course you need to have a good balance of practicality and energy efficiency. Don't pay for features you don't need such as larger capacity appliances, or steam cycles. More features do not typically equal a better savings for the end user.

How to Buy Energy Efficient Appliances

Federal Government Entices Lenders to Lower Your Mortgage Balance

Today is a new day for borrowers in danger of losing their homes to foreclosure. Today is the first day that the Housing and Economic Recovery Act of 2008 goes into effect. This act was designed to motivate lenders to work with the consumers in keeping their homes. In the past, despite the current economic crisis many lenders have found themselves in, they have not been so willing to work with the borrowers to help them keep their homes from foreclosing. That all hopefully stops today with HERA.

As the government recognizes the enormous load of future foreclosures that are coming and the repercussions that brings to our economy they have decided to step up to the plate. According to HERA (Housing and Economic Recovery Act) the Federal Government will now be insuring all new, reduced 30 yr fixed mortgages in attempts to motivate lenders to reduce struggling borrower's loan amounts of up to 90% of the property value. In other words, the bank slashes your mortgage amount in half, you get to keep your home, lower the mortgage payment and in return the bank saves itself from not only the whole costly foreclosure process but now has a federally insured loan and a paying customer. It's a win-win for everyone.

Load Balancing

Though it would be ideal, not everyone is eligible for this perk of HERA. In order to qualify you cannot have been convicted of fraud, certify that you have not intentionally defaulted on an existing mortgage and did not obtain the loan fraudulently (you wouldn't believe how many borrowers fudged their applications to get a loan), your mortgage payment must exceed 31% of your monthly income as of March 01, 2008 and last but not least you must occupy the home as a primary residence and the home must be listed as so. Sorry second homeowners and investors but you don't make the cut!

You should know that lenders are NOT required to participate in this program though it would be in their best interest to do so. Another important factor to understand is that if your lender does agree to this and your loan amount is reduced you are not allowed to take any second mortgages within the first five years. You must also split 50% of your equity with FHA when you sell it and there is holding period of which I am not aware of how long. Not a bad trade-off if you ask me.

All in all, this Act is a step in the right direction. It's the strong motivation the lenders need to help homeowners keep their homes. I applaud the government for stepping up and passing this act. I can't wait to see the positive effects it has on our economy in the future. If you're interested in finding out more about the HERA program you can visit http://www.HUD.gov

Federal Government Entices Lenders to Lower Your Mortgage Balance