Achieve High Fitness Levels With These Three Top Tips

A high level of physical fitness is something many people want to achieve. This is because improved physical fitness is associated with a better looking body, higher energy levels and an improved immune system. In this article I provide three key ways to improve your physical fitness levels.

1) LIFESTYLE CHANGE:- One of the easiest ways to improve your current fitness levels is to make small, positive changes to your daily routine. Specifically, you need to improve your diet and your exercise routine. As I have mentioned, these changes do not have to be large. If you make small, regular changes to your lifestyle, over time these will become significant changes which provide impressive results.

One way you could change your eating habits is by eating one less takeaway a week and substituting this for a healthier, home cooked meal. Then in the second week you could build on this by eating a salad for lunch once or twice a week. You can alter your exercise habits in a similar way. In week one take the stairs instead of elevators. In week two take a thirty minute brisk walk once or twice a week. As the above examples show, multiple small changes can together become substantial changes which contribute towards higher fitness levels.

2) FITNESS EQUIPMENT:- Another great way to improve your fitness levels is to take advantage of the large selection of fitness equipment on the market. When choosing fitness equipment you first have to decide what your fitness targets are. Do you want to improve your cardiovascular fitness? If so then a treadmill, rowing machine or exercise bike will be most suitable for you. Do you want to tone and strengthen your muscles? Then free weights and weight machines are what you should be using.

You also need to consider whether you want to purchase the fitness equipment for yourself or take advantage of the fitness equipment at the gym. Both have their own distinct advantages and disadvantages. Purchasing your own fitness machines means you can exercise whenever you want, inside your own home. However, unless you have a lot of storage space and money you will be unable to purchase the range of equipment that a gym can provide. The gym can provide you with a large range of equipment for a relatively low cost. However, when the gym is full you will have to wait for machines and you will also have to spend time commuting to and from the gym.

Whatever you choose regarding your fitness equipment you must consider one important factor. Fitness equipment will assist you in your exercise but it will not do it for you. You still have to put in the time and effort that leads to improved fitness levels.

3) FITNESS TRAINER:- Taking advantage of a fitness trainer is a great way to improve your fitness levels. You can explain your fitness goals to the trainer and then they can show you the best way to achieve them. A fitness trainer should also help you stay motivated, show you where you are going wrong and lead you down the right path, making it more likely that you will achieve your targets.

When choosing a fitness trainer there are a number of factors you should consider. A good fitness trainer should be able to provide success stories from their past which prove their credentials. You should also look at their qualifications to measure how well trained they are. Finally, you should arrange a meeting with a number of fitness trainers and see which ones match your personality.

Commitment To A Successful Fitness Training Program

The undertaking of any fitness training program requires that individuals not only have a realistic view of their own personal fitness goals, but that they also consider the variables they may be faced with in accomplishing their objective for better health and wellness.

Choosing the right fitness training program is not the only important step of getting in shape – you must also construct your plan realistically so that you can stay fully committed. Anyone can begin a fitness training program after getting clearance from his or her physician, and there are thousands of different programs on the market today; however, the real trick comes in knowing how to achieve the personal fitness goals you have set forth.

Determining Your Own Personal Fitness Goals

Most people have a skewed idea of what fitness is exactly. Ask anyone, and they’ll most likely envision a skinny model-like woman or a huge man that seems like he just stepped off the stage of a body-building competition. You, too, might think this, but personal physical fitness is something much more specialized and unique. This is where commitment comes into play. When most people think of the term “fitness,” it has a broad range of definitions that each of us can apply to our own abilities. Fitness generally has nothing to do with your general weight or body shape. If you eat right and work out regularly, sticking to your individual fitness training program, odds are that you’re on the right path.

The completion of personal fitness goals is controlled entirely by the mind. You have to want to get in shape. If your mind is not truly committed to the final outcome, your goals will never be met even under the best of circumstances or any obstacles that may impede the process. You, and only you, can control your commitment to fitness and ensure that you meet your personal fitness goals.

How to Stay Committed

The biggest challenge of a fitness training program or plan is teaching yourself to stay committed – the fact is that most plans fail because there is an overall lack of drive or inspiration to meet those individualized personal fitness goals. Luckily, you have a few options if you find it impossible to stick to your diet and workout plan. Most people talk about finding or using an exercise buddy, but never actually seek one out. Try finding someone at your gym or fitness center with a similar schedule or convince a friend or colleague to join you on your quest for fitness.

Another good way to keep focus is to promise yourself a reward if you meet your personal fitness goals. If you’ve always wanted a pretty piece of jewelry or a new television set, save up during your commitment challenge and splurge once you’ve met your planned goal. Promising yourself a reward will help you keep your eyes on something you want.

What If Your Fitness Goals Aren’t Met?

When personal fitness goals are not met, disillusion and despair begin to set in, and the whole venture seems worthless. You must ultimately revisit your commitment to the fitness training program and process and take a long, hard look at all of the factors that are hindering your program. You might find that your level of commitment was lacking; for instance, knowing when you should have rested more, eaten better and more frequently, or perhaps even turned down that additional serving of alcohol or dessert. Some people might dismiss willpower as just a personality trait, but everyone has the ability to resist.

Once you re-examine the flaws of your fitness training program, you’ll understand why you’re not achieving the personal fitness goals you created. However, you must remember to make goals that are attainable and realistic, and this is where many people slip up in planning an effective fitness training program. Research acceptable weight loss or gain, find cookbooks meant for your diet, and set your schedule for workout times that are manageable.

The Bottom Line

Making your fitness training program fully attainable is the biggest part of ensuring commitment. Without realistic personal fitness goals, it is highly doubtful that you will succeed. Examine your routine as it is now and slowly work the new regime into your lifestyle. Once you start your fitness plan and get used to the motions, it soon becomes second nature to live a healthy lifestyle.

The bottom line is determining if you are really committed to this fitness venture. If you see getting in shape as just another item in a long list that may or may not be completed, this is probably not the right time to start your fitness training program. Look inside yourself and see if you have what it takes to make this goal a reality.

Tips For Buying Colorado Health Insurance

Getting your hands on the best Colorado health insurance you can afford may seem like a daunting task, but it doesn’t have to be when you know what you’re doing. Read on for some tips to help you find the best Colorado health insurance plan for your budget.

Know your options

To obtain a plan, you can either buy individual health insurance or you can get group health insurance through your employer. There are several kinds of plans to choose from. Here is a brief primer.

FFS (Fee-for-Service) – A fee-for-service plan will pay a specific amount for each service rendered by your health care provider. There are limits, called “allowable amounts”, that the plan can pay. You should clarify these limits and other details with your insurance company. FFS plans are not very popular in Colorado because, in general, we have good access to PPO and HMO networks. As such, you can usually get a better value by opting for a PPO or HMO plan.
HMO (Health Maintenance Organization) – In this plan type, you are limited to the health care providers within the HMO network and often times are assigned to a primary care physician (PCP). Your PCP helps to “manage your healthcare”.
PPO (Preferred-Provider Organization) – This plan resembles that of an HMO, except that you may use providers outside of the network, although at lesser rates and benefits than any of the preferred providers. In addition, with a PPO you generally have the flexibility to see any specialist without first having to get a referral from your PCP.
HSA (Health Savings Account) – A Health Savings Account (HSA) is a tax advantaged savings account that allows you to set aside money for health care. This savings account is paired with a high deductible health insurance plan – the result being affordable yet comprehensive health coverage.

Study and compare plans

Given that you have a wide variety of plans to select from, don’t just get what your neighbor, co-worker, or best friend got. Each person has different needs and your insurance should be capable of meeting those needs when the time comes. Ideally, you should base your choice on these criteria:

the quality of the medical care you will receive
the coverage of your plan
how much your premiums will cost

Consider all these factors and weigh the cost with the benefits. Don’t shortchange yourself by getting affordable health insurance but with mediocre coverage – when the worst happens, you’ll be the one left holding the bag.

Look for alternatives

Having a hard time getting insured? Getting adequate health insurance in Colorado depends in some ways on your current health, family, and employment status. If you find that you have been denied or can’t afford health insurance, don’t despair. There are several programs you can turn to.

Medicaid – You may qualify for this if you already have a pre-existing condition and are in a low income bracket. Find out if you are eligible for Medicaid by contacting the Colorado Medicaid Program at 1.800.221.3943 or 1.800.659.2656.
Child Health Plan Plus (CHP+) — Colorado provides plans for children from low income families through the CHP+. There are several rules pertaining to income brackets and family sizes.
Medicare – Another program you can turn to if you have a pre-existing condition or disability. Normally you would have to be 65 years of age or older to qualify, but you still can access this program if you have a condition that is expected to last more than one year or is considered fatal.
CoverColorado — This is a state-run program that sells health insurance to a select number of high-risk individuals–people turned down by other Colorado health insurance companies due to a serious medical condition or disability.

Get Expert Advice

Let’s face it, health insurance policies can be hard to comprehend without some guidance. In Colorado, as anywhere, the right advice can give you the coverage you want while saving you hundreds (or thousands) of dollars a year. You can get advice from two sources: a good agent or a health insurance website.

You can source a good agent from friends and family members. As a criteria, a good agent won’t just help you find the right policy; they will provide service before, during, and after the policy has been sold. That means helping you helping you update your plan, being upfront about the rules and limits of your coverage, and helping you sort out claims issues if and when the need arises. In addition, a good agent will monitor your policy over the years to ensure that you are still getting the best value for your premium investment.

Understandably, some people don’t have time to go from agent to agent. If that’s the case, a health insurance website is the way to go. Look for an insurance website that is backed by a well-established insurance agency that offers a variety of services, and who are tried and tested experts on Colorado health insurance.

Read Your Policies

In the end, its all about knowing what you own. Don’t rely on blind faith that you’re getting the right health plan for your money. If you’re not sure about the terms, clauses and limits in the document, talk to an expert about it. And finally, don’t be afraid to say no. As Warren Buffett said, “If you don’t feel comfortable owning something for 10 years, then don’t own it for 10 minutes.”

Using High Deductible Health Insurance Plans to Lower Cost of Health Insurance

Everyone knows that health insurance costs in America are rising at unsustainable rates, and many are looking for ways they can save. High deductible health plans (HDHP) are often overlooked when searching for health insurance. It’s a shame this is the case, because HDHPs can be a great way to save money on monthly premiums and can provide similar protection as other cadillac plans.

Let us first take a closer look at what a high deductible health plan is and how we can define it. The basic concept of an HDHP is by having a high annual deductible, one can purchase a plan with a low premium because of more exposure to health care costs. High deductible health plans must meet a minimum deductible dollar amount to qualify, and there must be a maximum dollar amount which the maximum out-of-pocket expense may not exceed. In Virginia, many health insurance companies have these high deductible health plans set up so the maximum out-of-pocket is nearly the same as their most expensive plans. A lot of times, health plans with lower deductibles and countless benefits will have a coinsurance rate after the deductible is met, where you pay that percentage of the health care cost until you reach the maximum out-of-pocket. Many high deductible health plans in Virginia are without coinsurance, which allows the out-of-pocket maximum be the same for the various health insurance plans. If you can live without some benefits of the cadillac plans, HDHPs can protect you from the catastrophies equally as well while keeping money in your wallet.

Another area to explore regarding HDHPs involves Health Savings Accounts (HSA). An HSA is a monetary account through an insurance company, bank, credit union, or investment company where you can place money into and watch it grow with interest. In order to set up an HSA, you must have an HDHP, as the two go hand in hand with each other. The account must be qualified as a health savings account, and any contribution made to the account can be written off as an expense for tax purposes. Therefore, if you need to withdraw money from your health savings account for a medical expense, you can pay that expense with pretax dollars and write the procedure off as an expense.

High deductible health insurance plans can be a valuable alternative to a standard health policy. When coupled with a health savings account, you can use pretax dollars to pay for medical expenses to relieve some of your tax burden. HDHPs generally always have lower premiums than health plans loaded with benefits you may not need. By using an HDHP, you can be protected from catastrophic events and lower the cost of your health insurance.

How Can I Start a Gold Business in Dubai?

When Dubai is mentioned, their gold and diamond collection is one of the first things to come to mind because it is a trend in the emirate. Referred to as the “City of Gold”, the place offers a cheaper cost of gold than most tourists’ home countries. Since Dubai is a popular international vacation destination, the influx of the wealthiest customers can be significantly considered if you want to start a gold business.

Indeed, gold is an investment in Dubai as it drives foreign capital in the country. Unknown to many, it is the most profitable business since the precious metals keep their value, and the demand has been continually working every year. While Dubai has historically been a hub for gold traders, they also continuously contribute a significant share in the gold trading business in the UAE. If you are an investor, you should definitely consider setting up a gold trade business in Dubai. If you are not sure how, this article will help you delve deep before the onset of your gold business. With more knowledge and understanding, you can start making a profit out of gold, even in different departments.

Where exactly in Dubai?

There are different authorities and jurisdictions that highly support gold trading licenses in Dubai. Most of them can be found in Mainland and Freezone. Although there are many, there are three jurisdictions that stand out in Dubai where the highest concentration of gold traders can be found.

First on the list would be the Gold Trading License in Dubai’s Department of Economic Development (DED), wherein the heart of the UAE’s gold market is established. This authority is how you incorporate a business in the most famous gold markets in the world, the Gold Souk in Deira. The mainland jurisdiction offers a local license via the DED if an investor opts to form a retail outlet in this area. They can have an opportunity for investors to open up a stall or even a kiosk in Dubai’s most popular tourist areas. Investors must keep in mind that before applying for another commercial license for gold business via the DED, they have to find a local partner who will hold 51 per cent of the shares in the company.

The second choice for setting up a gold trade business in Dubai would be in the Gold and Diamond Park located along Sheikh Zayed Road. If you are an expat wanting to own 100 per cent of the business, this place is perfect for you as it is a free zone company setup. You can own 100% of your company with no taxes and have total resettlement of profit. The Gold and Diamond Park is one of the most famous retailers of gold and jewellery with over 90 stores, 118 purpose-built manufacturing blocks, and 350 offices. It is a convenient spot in Dubai City Center, with convenient access to all areas. You can incorporate a gold business company in this area by getting a license from Jebel Ali Freezone Authority (JAFZA).

The third choice for your gold business in Dubai is through Dubai Multi Commodities Centre (DMCC), another Free Zone Authority. DMCC is famous for its Dubai Gold and Commodities Exchange (DGCX), DMCC Trade flow, and overall gold value chain.

What are the steps?

The next thing you need to know is how you will make your gold business in Dubai happen. Different authorities and jurisdictions require other processes and requirements, so it is not easy to have one. Although the gold and jewellery business is popular in Dubai, the government has created specific regulations. It imposes rigorous checkups on those who bring gold or other precious metals in the emirate to have a safe business environment. To guide you, we have listed some of the essential steps you should do to form a gold business company in Dubai..

Come up with a Trade Name

Before you can obtain a license, part of its statutory requirement is to have a trading name. Having a trading name is a way for the government to know the business activity you will be carrying.

Obtain a Business License

There is no way to start a business in Dubai without having a business license. As mentioned above, you can choose to start your gold business in Dubai with the three different authorities like DED, JAFZA, and DMCC. They all require investors to have their business registered before carrying out their business activity. Unlike JAFZA and DMCC, which is in the Free zone, DED requires a particular requirement of having a local sponsor who will own 51 percent of the shares before he/she can obtain a business license. Usually, getting a license requires some of the primary documents:
Completed Application form
Passport copy of the proposed owner(s)
Two copies of coloured passport photos

Choose your Business Premises

There are various premises to choose from, especially if you opt to set up in the free zone area. They can offer you different offices or facilities that will best suit your business requirements. This process can be done right after you have secured your business license.

Obtain your Visa

Obtaining a visa can be achieved with the help of your service provider. Visas are required, especially if you have to hire an employee. As the holder of a UAE business license, you also have the power to sponsor others for their visa too. The number of visas you can apply for will depend on the size of your company or business, the type of company you choose, and your earnings.

Since Dubai has proven itself as a healthy and sustainable environment for jewellery and gold business both local and international investors, it is safe to say that starting a gold company in Dubai is highly profitable and can provide growth for the business.

Given all the information above, you may think that starting a gold business in Dubai is not overly complex. Doing it alone may still lead you to troublesome situations and unexpected expenses; that is why it is essential to seek professional help. In IBG Consulting, we guide you based on knowing the legal proceedings and business structuring in Dubai. We have a pool of talented consultants that will help you start your gold business in Dubai or anywhere in the UAE. If you want to know more about how you can create a gold business in Dubai, contact us or visit our website for a consultation.

Everything You Need to Know About Investing

To become successful with your money, you have to make your money work for you. You sell your labor which in return makes you money. By making each individual dollar work for you, this in return makes you wealthy over time. There are a plethora of investing opportunities out there. The key is to figure out which one is the right one for your financial situation.

Stocks
The most popular of all investing opportunities, are stocks. Stocks are probably the main thing you think of when you hear of investing. When you buy a stock, you buy partial ownership of a company. Stocks range anywhere from $2, to $12,000, which can appeal to a large variety of people. To be successful when trading stocks, you have to buy low and sell high. Of course this isn’t easy, considering the market is always fluctuating. You need to watch the history of the company, know the PE Ratio, the day range, the 52 week range, etc. Knowing this information can help you predict if the stock will go up or down. You can make a lot of money investing in stocks, which means you can also lose a lot of money. You want to keep in mind that most investments in stocks are long term investments. It is very risky investing, but if you do the proper research of the history of the company, you can get a very good return.

Stock Investing Tips

1.) Have the Right Expectations
When you are investing in stocks, you want to make sure you aren’t expecting to become Warren Buffet over night. It just wont happen. You want to make sure you do the proper amount of research, and make sure you know the history of the market as well as the company you are investing in. When investing in stocks, the return is around 10%-13%. You don’t want to make hasty decisions and buy and sell a lot just because you aren’t making the money you expected. Make sure you know how long you are keeping an investment, and then make a commitment. This will help you focus on the principles.

2.) Don’t Listen to the Media
Don’t get caught up in what everyone is talking about and what is being said around you. It will take your decision from being based on research and history, to just “hear-say”. This will hurt your investments immensely. Most of the hype and other things that are being said are just the daily fluctuation of the market.

3.) Stay Focused
You want to make sure you are putting all your effort and focus into your investments. Once you buy a stock, you own part of a company. Make sure you treat it the way it is and make sure you do the proper research of all aspects of what you’re investing in. Doing your research can change your investment of making a profit of $15,000, to losing $15,000. In the end, it’s always worth it to do the extra work.

Mutual Funds
When you invest in Mutual Funds, you are pooling your money with a number of other investors. You then pay someone to professionally manage and choose each individual security for you. There are a variety of different mutual funds you can choose to invest in, which range to fit your investment strategy.
3 Types of Mutual Funds
1.) Open-Ended
2.) Unit Investment Trust
3.) Close-Ended

Mutual Fund Investing Tips

1.) Look at the Fees
Always look at the fees involved when investing in Mutual Funds. When you pay more for something, this usually means that you are going to be getting a better product or service, right? Yes! Makes sure you find the best deal, but make sure you are investing the right amount of money in the right places. It can change the course of the whole investment in the long run.

2.) Research the History
One thing you can do to prepare an investment is to check out the history of the Mutual Fund. Just like anything, the history shows how well it has performed, and can be a good indicator. This can directly tell you if it will be a good investment whether it be long term or short term. Another thing you want to look at, is the asset of the fund. If it’s doing good, and there is a community of people investing in it, it can tell you if its a smart idea to invest yourself. Always check the history of any investment before you decide to purchase.

3.) Look at the Contract
You never know what is all involved until you take a detailed look at the prospectus provided by the fund. You want to make sure you don’t just know bits and pieces of what’s involved, but everything there is to know, and then some. Make sure you know all the fees involved with buying and selling funds, and if there are international fees required. Knowing this can help you determine if the company is a solid company where you can make money, or if you are getting into something you will regret in the future.

Bank Investments
Bank accounts are one of the simplest form of investment. Most banks give you a very small percentage for opening a bank account and giving them your money. This percentage barely beats the rise of inflation, so unless you are keeping hundreds of thousands of dollars in the bank, you won’t be creating any wealth from this form of investment. Another way to invest in your bank is a CD, or Certificate of Deposit. A CD if very similar to a bank account, but they are usually for a fixed amount of time. They can be monthly, every six months, a year, etc. the CD is then held until its maturity date, and paid back with interest. A Certificate of Deposit usually earns more money than an account at which you can withdrawal the money at any time, like a bank account.

Alternative Investments
Apart from the basic investments, there are other special securities. These investments include gold/silver, real estate, etc. These investments are speculative and can be very high profit, however; you need to have the knowledge.

1.) Gold & Silver
The first thing you want to do before you invest in gold or silver, is to look at the market and decide if now is the best time to invest in precious metals. You can also talk to a professional and decide when the best time to buy and sell would be. You want to make sure you are familiar with the variety of ways to invest in silver. You can invest in silver mining companies, silver ETF’s, silver futures, silver bullion, and also silver coins. You want to make sure the Exchange Traded Funds (ETF) are backed by physical gold and silver. Another thing to remember, is to not just own a paper owning, but the actual precious metal as well.