Weight Loss: Customize, Personalize, Spice up!

You know you have weighted, err, waited more than enough. So you decide to get yourself started on some weight loss programs and regimens. In all likelihood you would draft yourself with the ones that promise you sure-hit quick weight loss tips.

So you sweat and strain with your chosen weight loss program, perhaps ecstatically so at the start. Sure your body gets all aching with all your joints and knuckles cracking in epic proportions like ungreased door hinges of horror movies.

Looking at yourself in the mirror, you cringe at the sight of this blob staring back miserably at you still with the extra flabs flapping around somewhere there. You sigh in exasperation. Whatever happened to the weight loss program that promised to sculpt your body to whistle-bait shape? You scream in desperation. You know you have just been weigh-laid, err again, way-laid by some pseudo weight loss masters.

Truth is, we tend to pattern our weight loss mindset after the mentality of that of some backyard gym instructors. We torture ourselves with the age-old dictum “No pain, no gain.” Let’s face it, while it did miracles for Rocky, it sure did get him crippled (or, killed) in the final picture.

We are no Rocky. We are ordinary human beings with not-so-ordinary day-to-day affairs. Some are multi-tasked like the housewife who has to master doing diapers in one hand, pitching copies in the other, while applying tantric massage on her hubby with her feet. All throughout she is troubled between going for weight loss surgery and taking weight loss pills.

“No pain, no gain” is foolishly macho and downright false. Of course, there’s bound to be some discomfort when you’re just getting started with your own weight loss program, and later when you start to reach out for new weight loss goals.

But there’s an important difference between discomfort and pain. Learn it. Listen to your body say, “Moderation in all things.” Pain means injury. Pain makes you quit the weight loss program.

If you don’t like your chosen program of weight loss exercises, you won’t stick with it. It will become a chore, you’ll slack off and finally give up the entire weight loss program. Tailor your weight loss exercise to yourself, not to what others do or to some false image generated from within or without. Of course when you’re just getting started, weight loss may seem like a chore. But appearances are not always reality. Realize that your body and mind would always prefer being a couch potato, and will rebel at the thought of exertion in the weight loss program, so you’ve got to give any form of exercise a chance to grow on you before you start analyzing whether it’s for you or not! The key is to turn weight loss exercise into play, then you’ll succeed and persist. Lack of joy makes you quit.

So spice up your own program of weight loss exercises by customizing it according to your our own weight loss needs. Variety is still the spice of weight loss. You should’nt be satisfied just with pounding the pavement or sweating in a gym. Variety makes you learn how much you’re capable of. Play around, pick and choose, experiment with your own customized personal weight loss program.

Whatever weight loss exercises you choose from the following, try to get your heart rate up to about 70 percent of your safe maximum. You can do that by using this formula: 220 minus your age equals your Maximum Safe Heart Rate. Keep it at this rate for a solid half-hour. Don’t go over the 85 percent rate for more than a couple of minutes at a time. Of course, heart rate doesn’t figure into strength builders such as weigh lifting.

Note : The calories-burned figures that follow are for a 110-pounder. A 154-pounder should add on another 28 percent to that number, while a 198-pounder should add 55 percent.

Walking : Calories burned at 2 mph is 145 per hour; 3 mph is 235 per hour; at 5 mph is 435 per hour.

Jogging : Calories burned at 5mph is 530 per hour which is roughly about a 12-minute mile.

Jumping Rope : Calories burned is 600 calories per hour.

Swimming : At 30 yards per minute (about one lap of an Olympic-size pool), calories burned is 330 per hour.

Water-walking : Calories burned is 360 per hour in a fast game.

Bicycling : Calories burned at 10 mph is 390 per hour.

Aerobic Dancing : For low impact, calories burned is 240 per hour and for moderate impact, 350 per hour.

Square Dancing : Calories burned is 350 and up – way up! – per hour.

Table Tennis : Calories burned is 450 hour.

Rowing : Calories burned is 600 per hour.

Cross-country skiing : Calories burned at 10 mph is 600 per hour.

Weight Lifting : Calories burned is 250 per hour.

Martial Arts : Calories burned is 620 per hour.

You really won’t know what you like unless you try it. And if you haven’t tried it don’t knock it. Try mixing gardening with walking, housework with rowing, bicycling with weight lifting, dancing with martial arts, table-tennis with cross-country skiing, outdoors with indoors, team sports with solitary sports. Without variety, humans get bored and stale. They stop reaching. Boredom makes human beings quit.

What Is PPS Insurance?

If you have been doing all of your research, just like you should if you are searching for insurance, you might have run into the phrase PPS insurance. This article aims to explain just what PPS insurance really is and who is eligible to apply.

PPS stands for The Professional Provident Society of South Africa. They primarily market their products to the graduates of our nation. One of their products is insurance, hence PPS insurance.

Let us examine what PPS stands for – Professional Provident Society.

Firstly, we’ve got professional. This means that in order to qualify, you must be a professional. Being a professional entails having at least four years of tertiary education, so basically the equivalent of an honours degree. This means that their client base is very exclusive and they will tend to have a higher chance of making a successful career.

Next, we’ve got provident. So essentially, PPS insurance offers insurance coverage intended for professionals.

Lastly we’ve got society. This would suggest an organisation of some type. A society usually looks out for the well being of a particular selected group of people, in this case professionals.

So, what PPS insurance amounts to, in layman’s terms, is actually a group of people which provide insurance and other financial and health care services for other individuals who have at least four years tertiary education and learning behind them.

Not too complicated is it?

PPS insurance can seem to be a bit more expensive than other kinds of insurance. This is because they are catering to a higher class of income earners. People who have a degree often earn more than those who do not have a degree. This means that they can often afford to pay a little more. Naturally, PPS insurance does offer more coverage and is often tailor made for the client, which means you are getting your money’s worth if you manage to be eligible for PPS insurance.

So, is PPS insurance a good idea?
Most definitely. You get a wider selection of cover suited to your needs, yes it costs a little more than regular insurance, however the certainty of getting what you pay for is worth that extra little bit.

How do you qualify for PPS insurance? You have a four year degree behind your name. This appears extreme, but all they’re doing is making sure that their customers are a cut above the rest and much more likely to be able to pay their premiums as soon as the time comes. This in turn means that a company which is affiliated to the Professional Provident Society of South Africa will probably be more financially secure than other insurance firms.

So if you are a professional and searching for a new insurance carrier, consider considering getting in contact with a PPS insurance company and really get what you are paying for with your insurance, it really is worthwhile.

Simple Steps to Weight Loss

Everywhere you look these days, somebody is offering some sort of diet or advice about dieting or getting thinner. The concept of losing weight and being healthy just seems to get more and more complicated because of all the seemingly contradictory advice and recommendation.

However implementing a very few simple steps to weight loss can not only result in a healthy, permanent weight loss, but can contribute to genuine health and fitness in the process.

Let’s start with attitude.

Anybody can lose weight in a healthy manner if they are willing to work at it. That’s a key point…”work” at it. Weight reduction simply does not just happen. Weight gain occurs because of real facts and events, and weight management, plus or minus, works the same way. There can be healthy gain and healthy loss as well. We are going to focus on that word, “healthy” because one of the most simple steps to weight loss is to live a healthy life.

By the same token, living a healthy life can not only be fun and rewarding, but can result in healthy permanent weight loss as well!

Many people approach the weight loss process by concentrating only on “losing weight” without thinking about health, permanence, aging, genetics, or any of the myriad factors which are involved in weight loss AND weight gain.

Many also approach weight loss, exercise, fitness, nutrition, and other issues from a point of ignorance. Many of these people are surprised when what they were told would work…doesn’t! However, this is often because they don’t actually know what they are supposed to be doing, or what realistic results will occur as a consequence of their actions or inactions.

For example, many assume that an exercise like walking is one of the simple steps to weight loss (no pun intended) that we are discussing.

They are correct, but “walking to lose weight” is a very generic term. It does not take into account how fast the person walks, how often they walk, the terrain over which they walk, how much they eat, what they eat, how much sleep they get, what their personal genetic makeup is, and what is their fitness level at the moment. However, all of these are factors in determining what the results of their weight loss effort will be.

This is why anyone intending to adopt even the most simple steps to lose weight should either be willing to educate themselves or put themselves in the hands of a professional fitness trainer who can anticipate and plan for their needs based on a genuine understanding of these issues.

Actually, when you get down to it, there are only a few effective simple steps to weight loss. These include exercise, diet (nutrition), and rest. To discuss each of these effectively or all as a group will require a longer and more complicated article than this will be.

If a person is not willing or able to seek out the information that will make them at least “quasi-experts” on the subject of healthy ways of losing weight and cannot put themselves in the hands of a professional fitness trainer, one of the most effective and simple steps to weight loss that they can take is to make the decision to live their lives in a healthy manner.

We all have a good idea of what we should be eating. We all know that, unless we are already engaged in a formal program of regular physical activity (or have a job which supplies that part of the equation), we should get more exercise. We all know that we should drink eight glasses of water a day and get about eight hours of sleep at night.

Following these simple steps to weight loss at their most basic level may not result in a fashion model’s body or that of a bodybuilder. However, it will result in a longer, healthier life and generally, some weight will be lost in the process.

Protecting Yourself from Unscrupulous Medigap Tactics

You’re finally eligible for Medicare. However, once you enroll you realize that it just doesn’t cover everything. What most people know about Original Medicare is that there are significant gaps in coverage and to rectify this you may want to choose to purchase a Medicare supplement insurance policy, also known as a Medigap plan.  

While there are a variety of private Medigap plans you can choose from, the National Association of Insurance Commissioners (NAIC) has devised and publicized standard Medigap packages. Originally labeled A through L, in 2010 Plans E, H, I and J were discontinued and Plans M and N were added.

Understanding Your Medigap Plan Rights

“It’s one thing to be aware of Medicare supplement insurance,” says Alan Weinstock, insurance broker at http://www.MedicareSupplementPlans.com. “It’s another thing to understand your rights.” Here are some of the basics that you need to know.

First, you don’t need and can’t use a Medigap policy if you have a Medicare Advantage plan. However, once you sign up for Medicare Part B you have a six-month Medigap open enrollment period which gives you a guaranteed right to buy a Medicare supplement insurance policy. Once this period starts, it cannot be delayed or replaced. Costs for Medigap insurance vary by company and policy.

No one can pressure you into buying a Medigap plan, mislead you to switch from one insurance company to another or sell a Medicare supplement insurance plan that cannot be sold in your state. In addition, they cannot sell you a second Medigap policy when they know that you already have one, unless you tell the insurance company in writing that you plan to cancel your existing Medigap policy.

Finally, it is illegal for anyone to claim that a Medigap policy is part of the Medicare Program or any other Federal program. Medigap is private health insurance. Plus they cannot claim to be a Medicare representative if they work for a Medigap insurance company.

What to Do to Protect Your Medigap Plan Rights

“The very first thing that eligible seniors should do is to learn all they can about Medicare and Medicare supplement insurance,” suggests Weinstock. “Seniors should talk to someone who knows and can help them compare rates, plans and benefits for Medicare supplement insurance before they buy.”

If you decide on Medicare with a supplemental Medigap policy, it’s important to weigh your options. Seek out experts and ask questions when looking to purchase Medigap insurance. To get the facts contact the Center for Medicare and Medicaid Services, the Federal department in charge of the Medicare Program, or consider talking to the brokers at http://www.MedicareSupplementPlans.com.  

And if you believe that a Federal law has been broken, call the Inspector General’s hotline at 1-800-HHS-TIPS (1-800-447-8477). TTY users should call 1-800-377-4950. Or your State Insurance Department can help you with other insurance-related problems.

The Best Fruits for Weight Loss

Weight loss has become a hot topic in our society. The obesity crisis in America continues to worsen, and as it does it becomes more important to focus on weight loss and getting healthy. Fruits help in both endeavors. They help you lose weight, gain energy, and improve your overall health.

Weight Loss-Benefits

· Improved overall health

· Lessening of joint pain

· Improved heart health

· Lower risk of stroke

· Lower risk of diabetes

· Improved mood and self esteem

It is no secret that weight loss improves your overall health. However, you may not realize just how many benefits there are to losing weight. When you lose weight, you take pressure off of joints, which eases joint pain and makes arthritis more manageable. You will also enjoy improved heart health as your heart will not have to work as hard after you lose weight.

In addition, you lower your risk of heart attack because when you lose weight and get healthy your cholesterol levels decrease. This also reduces your risk of stroke. With that, you lower your risk of developing diabetes. If you already have diabetes, losing weight will make it much more manageable. Finally, as you lose weight you will improve your mood and your self esteem, making your life mentally and emotionally more stable, as well as physically healthy.

Top Fruits That Help in Weight Loss

· Grapefruit

· Melons

· Berries

· Papaya

· Peach

How Fruits Help in Weight Loss

· Satisfy sweet cravings without racking up calories and fat

· Feel fuller longer, decreasing calorie intake

· Eat as much as you want, whenever you want

Fruits help in weight loss in many ways. The biggest benefit to eating fruits for this purpose is that you will lower your calorie intake drastically. By replacing other sweet snacks with fruit, you will drastically decrease your calorie and fat intake. In addition, fruits consist of mostly water and fiber, which makes you feel full longer, eliminating the need for constant eating and further decreasing calorie intake.

The biggest benefit to using fruit for weight loss is that you can actually eat as much fruit as you want whenever you want without gaining weight. In fact, the more fruit you eat, the more fiber and water you are taking into your body, which helps cleanse your body of toxins and water weight. You will find that the more you eat of these foods, the more weight you will lose. This is very helpful for those who feel the need to eat throughout the day.

Will There Be Any Significant Change?

As with any dietary change, it takes time to see results when you switch to a diet high in fruits. You may not notice any significant change for some time. However, eventually the weight will begin falling off your body. You will notice that you have more energy, and you will also notice that your overall health improves. You will not get sick as often, and you will also notice that your digestive system and your bowels are problem-free when you eat a lot of fruits.

When you do start seeing results, the changes will come rapidly. Weight will drop off as if it were nothing, with very little effort. You may also notice other changes when you visit your doctor for a checkup, such as lower cholesterol levels and lower blood pressure. You may also notice a drastic change in your blood sugar levels and management.

However, if you do not see results right away you should not be discouraged. Increasing your intake of these fruits will drastically improve your health in ways you cannot see on the surface. Even if you do not lose weight quickly, you will lose weight gradually.

Of course, eating fruits alone is not going to help you lose weight, but is just one part of an overall fitness plan. You will need to exercise and use caution in choosing other foods that you eat as well. However, if you increase the amount of fruits, you eat and replace other less healthy foods with fruit as a part of an overall diet and exercise plan, you will notice a significant change in your weight and your health very quickly.