7 Simple Steps To Health and Fitness Success

Let’s take a look at seven simple steps you can take right now to move you rapidly along toward your fitness goals.Think on paper: Only about 3 percent of adults have clear, written goals. These people accomplish five and ten times as much as people without written goals.Step 1: Decide Exactly What You Want. This will allow you to prioritize your tasks to that you are spending the most time on high value tasks that move you closer to your goals. If your goal is to add 20 pounds of muscle, there isn’t much point in using up a lot of you training time by jogging 5 miles a day.Step 2: Write It Down. Again, think on paper. Written goals are a powerful thing. They have an energy behind them that helps you move toward them that unwritten goals just don’t have.Step 3: Set A Deadline On Your Goal. Create a sense of urgency and positive pressure. Without a deadline you will procrastinate and do the little things that may damage your short term goals. If you are having “after” pictures
taken in three weeks then you are much less likely to swallow that bag of popcorn, than if you are just getting in shape…eventually.Step 4: Make a list of everything you can think of that you will need to do to help you achieve your goal. Leave nothing to chance. The more planning you do ahead of time, the more likely you will stick to the plan and achieve your goals. The more prepared you are, the more success you will experience.Step 5: Organize the list into a plan. Organize your list by priority and sequence.Step 6: Take action on your plan immediately. Do something. Get started. Start building positive reinforcement and momentum RIGHT NOW.Step 7: Resolve to do something every single day that moves you toward your major goal. And with fitness, you have to, don’t you? Whether it is your workout, eating six high protein meals, etc. you should always be doing something that moves your forward toward your goals.Don’t just read these tips and nod your head. Activel use them. They will make a big difference, not just in your health and fitness goals but in your life in general.Gregg Gillies

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Photography Tips To Taking Better Photos

This article will give you some photography tips to taking better pictures. Taking good photos is not hard at all. It’s actually pretty easy when you think about it. The hard part to photography is coming up with messages, stories, and, in my opinion, lighting. However, this article will focus solely on the taking better shots aspects.When you take a picture you are framing everything within the border of your picture in a particular way. How you frame your photo is going to determine how it looks when you review it. Now, sometimes all you have to do is move the camera a few inches to the left or right to get a better shots. Other times, you may have to get 5 feet closer or even 100 feet farther away.Moving Your Camera A Little…When you are taking a picture of a subject, first ask yourself this question: Is the subject dead center? If your subject is then just move your camera a little so the subject isn’t in the middle. Place the subject on one of the sides of the photo. Most likely your photo will look much better.Splitting It Like An OrangeHave you ever noticed how when you cut an orange in half both sides look identical? Well, this is symmetry and you can use this in your photos too. Now, both sides don’t have to be equal like the orange. For example, you could have two people shaking hands. They won’t be identical people but their shape and form is the same….most likely. You could use the differences also in an interesting way. For example, have a very skinny person shaking hands with a very large person.Practicing Like an AthleteWhen athletes want to get stronger, what do they do? They practice! So you’re going to want to do the same thing with photography. Exercise those photography muscles. But be sure to rest a little or else you’ll get burned out and can quit.

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How Does a Whole Life Insurance Policy Work?

How exactly does a whole life insurance policy work? Whole life policies are popular with some select groups of people but they are a little bit more complex than their plain vanilla easy to understand term life insurance counterparts.The business of insurance has to be one of the most underrated services offered in the United States nowadays. Not many people think having life insurance is important and because of this we see that the industry is not as successful as the auto and homeowners insurance business. It is important to know however, that death comes at any age; and if a person wants to protect their family or other people after their death it is imperative for them to purchase a life insurance policy.There are two basic types of life insurance in the United States that work in completely different ways and because of this have different premiums. One of these types of insurances is one that is called a temporary policy. This policy covers a policyholder for about 5 to 30 years and their premiums are most of the time stagnant. On the other hand we have the permanent policy in which members are covered for life as long as they pay all their premiums. Part of your premium will go toward a little saving portion of the policy that will accumulate over time and the other portion of the premium goes towards the insurance cost of the death benefit.Whole life insurance is one of the three types of insurance polices that you can obtain if you want a permanent life insurance policy. This means that whole life will cover you for life and that your cash value (saving portion) will get higher as time goes by. However, whole life is different in that your cash value is tax deferred until the beneficiary withdraws it and you can also borrow against it.A person should consider whole life insurance when the need for coverage is lifelong. Whole life may be used as part of your estate planning because it accrues money after a person pays the premiums, as mentioned before. Because premiums for this type of policy are much higher than those of temporary policies, a person must know that this is what they want after all. Whole life is a good choice if you want to make sure that your family or dependents have a good life after your death, and that the transition from the death of a person close to their lives is a close one.Within the whole life realm, there are six different kinds that a person can choose from.1. Non-Participating Whole Life Insurance: This type of whole life policy has a leveled premium and a face amount through the entire policyholder’s life. Since the policy has fixed costs the premiums will not be necessary high, but it will no pay you any dividends after the policyholder dies.2. Participating Whole Life Insurance: This type is much different from the first type mentioned. One of its differences is that this one does pay dividends and because of this premiums can be said to be a little bit more expensive. These dividends can be used to reduce your premium payments because they can be paid in cash, they can be left to accumulate at a specified rate of interest or they can be used to purchase additional insurance which in turn will increase the value in cash that a beneficiary will receive after a policyholder’s death.3. Level Premium Whole Life Insurance: This kind of insurance is one that has the same premiums with no significant drop or rise in the money paid monthly through the entire life of the policy. At first the premiums will be enough to cover the services given and a little portion of it can be put away to cover the premiums that will come in later years when the cost of insurance in the market rises. The insurer can also pay extra premiums that will go toward the cash value part of the policy one the policyholder dies.4. Limited Payment Whole Life Insurance: This is the type of policy that will allow you to only pay premiums over a specified period of time. This means that if you only want to pay premiums for about twenty to thirty years or up until age 65 or 85; this is the type of policy that you want. Because premium payments are going to be paid over a specified period of time, your premium payments will be significantly higher, but after you get done with them you will be covered for life.5. Single Premium Whole Life Insurance: This type of policy is one that is very common for people that select the whole life insurance type. This is a limited policy with a single relatively large premium due at issue. Due to the fact that the owner of the policy will pay the single premium payments when the policy is first signed, the life insurance policy will immediately have cash and loan value! This type of whole term life insurance is mostly an investment oriented type than some of the others.6. Indeterminate Premium Whole Life Insurance: This is the easiest type of whole life policy to understand and also one of the most common ones in the life market. With this insurance the company will give you a premium based on how the company is doing economically and on expense costs. This means that while one year the premiums can be slightly lower than expected, in the next the company can charge more if they are not doing up to expectations. It is also good to note that there is a maximum guaranteed premium when you first sign your policy and that the life insurance company can never charge above the premium statedWhile the cost of whole life coverage is substantially higher than a term life policy with the same death benefit it is important to keep in mind that the reason for the difference in price is that the death benefit for the whole life policy will almost certainly be paid out – after all everyone dies sometime! With the term policy of course the insurance company is counting on not paying the death benefit out on over 90% of the policies it issues.The issue of life insurance should not be taken lightly if one has a family or dependents. While some people in the United States are fed up paying all the different kinds of insurances and they figure that they don’t need to pay extra for life insurance when they are young, it is important to understand that life insurance can be a life saver after a family member, husband or parent dies.Whole life insurance covers you for life and it will allow a beneficiary to continue life only having to cope with the issue of death and not having to worry about the economic hits that come with it. Life insurance policies are a must for anyone that has someone that relies on them for support and it’s time for all responsible Americans to realize that.

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