Friday 31 May 2013

Daily Dos for Gorgeous Skin


Gently cleanse once a day.

For normal skin types, washing with a creamy cleanser and lukewarm water is recommended. For oily skin the use of a gentle foaming cleanser twice daily is beneficial.


Apply sunscreen.

Applying sunscreen daily is one of the many ways to prevent your skin from aging. Reapplying sunscreen every few hours has also become the norm due to the fact that the ingredients protect you for about two hours.


Eat salmon, and lots of antioxidants.

Often hear people say you are what you eat, truth is it shows on your skin. Salmon's high omega-3 content and hydrate skin from the inside out. It also reduces the inflammation that causes skin redness. Antioxidant-rich foods and drinks—cherries, dark greens, green tea and coffee.

Exercise
Apart from all the weight you are likely to lose and the confidence booster, exercise improves your circulation and oxygen capacity; it improves your complexion and makes your skin glow.


Stress less & sleep at least 7 hours a night.

This is probably by far the most difficult thing on this list! We can’t help it we stress… a lot. But stress not only affects your frame of mind and sanity, it shows on your face. Cortisol, is a stress hormone, it ages the skin and can cause acne. Sleep reduces the cortisol level in your body. So it's a simple equation: Sleep = younger, clearer skin. So try speed walking or Zumba or even deep breathing exercises embrace the changes it brings.

Tuesday 28 May 2013

Saving Solutions

Save for annual expenses
Year after year, many of us find ourselves with the same financial problems. We know we have to pay house or car insurances and other annual expenses, yet we pretend otherwise until the due date arrives. We then use our credit cards or even seek financing to pay for these unavoidable expenses. You should list and calculate the total of these expenses, divide the total by 12 and save for them monthly so you will have the cash available when the time comes.
Save at least 3 month’s salary In the event of loss of employment, a decision to change jobs, an international financial crisis or any emergency, you still need to pay bills, buy groceries and cover other unavoidable monthly expenses to keep your home running, provide for your children and simply live. Everyone (especially parents, homeowners and renters) should have an account with at least three to six months salary set aside. If you find it difficult to save three month’s salary, you should aim to cover at least three months of expected expenses (loans, rent, bills, etc.)
Save for your major goals 
People become very frustrated when they make a decision to achieve a major milestone but find that they are unable to do so because of lack of funding. If, for example, you’re planning to buy a car or a home, you probably need to have a down payment to qualify for the loan or mortgage. Decide on your next major life event, call us to find out the financial implications, and set up either an Automatic or Forced Savings Plan immediately so you’ll be prepared.

Regaining Financial Control - Part 2 :Reduce your Debt


Loans, school fees, insurances, mortgages, credit card payments etc. can become extremely burdensome. At time so feel really overwhelmed, what can you do? Take a deep breath, get up and make an aggressive plan to reduce your debt. Commit to paying off one loan or your credit card entirely. You need to make drastic decisions that will get your from where you are (in debt) to where you want to go (financial stability). Here are few things that you can do to get there:
·         Sacrifice and pay extra to that loan monthly so you pay it off faster.
·         Set up a monthly Standing Order to pay off your credit card.
·         When that loan is paid off, you would no longer have to make that installment and would therefore have ‘freed up’ funds.
Do not go on a spending spree with those funds. Instead:
·         Decide on the next debt you want to pay off
·         In addition to your normal installment on this debt, also apply the ‘freed up’ funds from the last loan you paid off.
·         Save it instead. ‘Freed up’ funds can help you stay out of debt if you treat it right. Even a small amount as $300 a month can still help you in the future.

You will therefore pay off this next debt well before its maturity date. Continue using the funds that become available after paying off each debt in this way and you’re on the road to being debt free.

Monday 27 May 2013

Regaining Financial Control – Part 1


Regaining Financial Control – Part 1


Ask yourself:

1. Do you spend more than you earn?

2. Are outstanding payments piling up or becoming increasingly hard to pay off?

3. Do you find yourself paying bills late or barely making deadlines?

4. Is your credit card limit fully utilized?

5. Do you feel like you’re struggling to keep your head above the water?

6. Here are a few tips to avoid getting into that situation and to get you out if you’re already there.

7. Do you live from pay cheque to pay check?

8. Do you feel like you work so hard and yet still you’re debts seem to be increasing?

If you answer YES to 3 or more of these questions then you need to regain financial control before it is too late.

How to regain control of your finances:
Consolidate your debt
Your financial situation could get very confusing when several different loan or credit card payments are coming out of your account at different times of the month. It becomes difficult to keep track of: which payments were actually made; which payments are outstanding and if you have sufficient funds to cover them; how much you can afford to spend on entertainment and other everyday needs such as groceries, travel, lunch etc.
You can solve this problem through debt consolidation. This simply entails taking out one loan to pay off many others including hire purchase debt and loans and credit cards from other banks and retailers. This way, you only have to service one loan, track one payment and deal with one bank. Ask for a Debt Consolidation Loan.

Thursday 23 May 2013

How To Stick to your Workout

1. Just Show Up

On low-energy days, head to the gym with the promise that you can leave after you finish your warmup. "Tell yourself you'll just do the Dynamic Warmup," says Rachel Cosgrove, author of The Female Body Breakthrough and creator of the Look Better Naked fitness program. "Once you get to the gym and get your blood pumping, chances are you'll finish your full workout. Ninety percent of the time, my clients do."
2. Play the Percentages
Have your body-fat level measured early in the program and then toward the end to gauge your fitness progress. "You'll actually have numbers that you can shoot for, and something that you can definitely measure, as opposed to, 'I just want my abs to look better,'" says Tim Kuebler, a certified trainer in Kansas City, Missouri. A body-fat percentage from the high teens to the mid-20s is considered healthy for most women (ranges vary by age), according to the American College of Sports Medicine. A trainer can estimate your percentage using calipers, and most gyms offer this service for a minimal charge; just have the same person do it each time, as measurement techniques can vary.
3. Book It
"You'll never find the time you've got to make the time," says Chuck Wolf, manager of sport science and human performance at the USA Triathlon National Training Center in Clermont, Florida. While that seems obvious, lack of planning continues to be the biggest reason people fail to work out, Wolf says. He suggests keeping a calendar and your scheduling workouts at least a week in advance.
Have a contingency plan, too, in case the unexpected cancels your workout. "You're 40 percent more likely to work out if you have strategies to help you overcome the obstacles," says Rod Dishman, PhD, an exercise scientist at the University of Georgia.
4. Make a Date with a Friend
Having a pal waiting for you at the gym will get you there. "If you've made a commitment to someone, you have a tendency to keep it," says Tristan Gale, an Olympic gold medalist. But that doesn't necessarily mean your best friend is also your best workout partner. Look for someone who's on the same fitness level and has similar goals.
5. Target Your Heart
Heart disease is the number one killer of women, claiming 500,000 lives each year, according to the American Heart Association. Find out what your cholesterol levels are and what they should be. Then work toward meeting that target by exercising regularly. "You'll decrease your risk of heart disease while providing yourself with a very important, concrete goal," says John Thyfault, PhD, an assistant professor of internal medicine at the University of Missouri-Columbia.
6. Be Defensive
Need more inspiration than trimming your waistline? On your do-anything day, consider taking a self-defense class, which will increase your confidence as well as your heart rate. Learning practical defense skills--eye strikes, heel palms, knees to the groin--will also bolster your sense of control, says Dana Schwartz, a self-defense instructor. "You get to fight every class, and every class you see improvement in yourself," Schwartz says. "I think people are surprised by how powerful they are."
7. Invest In a Trainer
If you don't know what you're doing when you get to the gym, it pays to hire someone who does. Beyond helping you plan your workout, a personal trainer will observe and correct your form to make sure you produce results and avoid injuries. "They'll spot you through the movements, so you can really feel what muscles [are working]," says Brenda Powell, a certified trainer and general manager of the Institute of Human Performance in Boca Raton, Florida.
8. Find a Happy Place
You hate fish, but that doesn't mean you stop eating. The same is true for exercise. "I can recommend running," says Ronald W. Deitrick, PhD, director of exercise science at the University of Scranton. "But if a person doesn't like running they're not going to do it. They don't care what the benefit is." The "perfect" exercise is the one you're happiest doing, so make sure you find yourself wanting to work out