Archive for February, 2012
Subliminal Health Fitness Diet Solution 8 – Video
Posted: February 14, 2012 at 1:49 pm
More here:
Subliminal Health Fitness Diet Solution 8 - Video
Subliminal Health Fitness Diet Solution 12 – Video
Posted: at 1:48 pm
Here is the original post:
Subliminal Health Fitness Diet Solution 12 - Video
New Book Reveals How to Lose Weight by Saying No to Dieting and Exercise.
Posted: at 1:48 pm
Everwood has released a provocative new weight loss book, set to turn the health and fitness world upside-down.
(PRWEB) February 14, 2012
Everwood Presents: - America remains heralded as one of the most overweight countries in the world and despite a growing awareness, it seems losing weight remains for many people as confusing and as elusive as ever. Society is bombarded constantly by a marketing onslaught of diets, fads, exercise machines, home delivered meals, supplements, pills and other weight loss schemes and services. Unfortunately, the industry is infamous for its often suspicious and questionable methods, all promising quick and easy solutions to an already despairing population. To add to the confusion, the modern era is one where information surrounding nutrition and exercise is exhaustive and often at times contradictory, so it’s no wonder that people looking to lose weight can often feel skeptical, overwhelmed and discouraged.
While health and fitness professionals will generally agree that losing weight is best achieved through dieting and exercise, an innovative new method from Australia is well on its way to revolutionize this perception. According to weight loss specialist Azrael, mainstream advice surrounding weight loss is frequently impractical, incorrect or short-sighted. “While I believe the majority of health and fitness professionals across the world do have the best of intentions, many are unfortunately providing the public and their governments with misleading or wrong information.” Azrael continues by stating that popular industry maxims such as "weight loss is all about calories in versus calories out," "dieting and exercise," "write a weight loss goal," "eat a balanced diet," and "breakfast is the most important meal of the day," are all examples of what he calls junk information.
Azrael has personally battled against obesity twice in his life. “When I first lost weight, I succeeded by following the advice of experts at the time. I was eating a very low-fat diet in combination with plenty of exercise. But years later, my priorities in life changed and before I knew it, I was more overweight than ever.” Realizing that the initial advice he had followed was ultimately unhealthy and unrealistic for the long term, Azrael lost trust with the experts and was in turn inspired to find his own solution. Azrael succeeded and developed a weight loss method without dieting or exercise, without using willpower or supplements and without undergoing hypnotherapy or surgery and has effortlessly kept the weight off now for many years. He clearly articulates that there are no secrets to losing weight and that essentially, permanent weight loss is based on common sense and living a healthy lifestyle. The difficulty he claims is that common sense and healthy lifestyle are not terms agreed to universally. “Leading a healthy lifestyle is not a new idea, however people may be surprised and shocked to learn of what actually constitutes a healthy lifestyle. Eating five to eight small meals a day for example, is not healthy living in my opinion, yet this directly opposes mainstream health and fitness advice. The public needs to remember that ‘what works’ and ‘what is healthy’ are not always one and the same.”
After first helping friends and family to lose weight, Azrael has gone on to assist countless others with his new book: Odysi Zero | Lose Weight: Say No to Dieting and Exercise. He actively warns that some people make take offence from the book’s content, yet he expresses his opinions without apology. Azrael and his supporters remain steadfast and resolute in spreading his message. “I strongly feel some things must be said and so I have said them.”
Odysi Zero | Lose Weight: Say No to Dieting and Exercise is available for $25.00 in most bookstores or online at http://www.OdysiZero.com.
Original Edition. ISBN: 9780646546872 (pbk), 100 pages, 6 x 8, eBook also available.
###
Neofitos Pertsinidis
Everwood Pty Ltd
0466 806 539 +61
Email Information
Read more from the original source:
New Book Reveals How to Lose Weight by Saying No to Dieting and Exercise.
Get a Tax-Smart Plan for In-Retirement Withdrawals
Posted: at 1:48 pm
Question: I'm preparing for retirement and trying to figure out where I should go for money to meet my income needs. I understand that it's important to start by withdrawing from some accounts and save other accounts for later. What's the right sequence?
Answer: There isn't a cookie-cutter answer to withdrawal sequencing because an investor's strategy will be determined by age and tax rate when taking the withdrawal. But a key focus when developing your withdrawal strategy should be preserving the tax-saving benefits of your tax-sheltered investments for as long as you possibly can.
As long as a retiree has both taxable and tax-advantaged assets like IRAs and company retirement plans, it's usually best to hold on to the accounts with the most generous tax treatment while spending down less tax-efficient assets. The following sequence will make sense for many retirees.
1. If you're over age 70 1/2, your first stop for withdrawals are those accounts that carry required minimum distributions, or RMDs, such as traditional IRAs and company retirement plans. (You'll pay penalties if you don't take these distributions on time.)
2. If you're not required to take RMDs or you've taken your RMDs and still need cash, turn to your taxable assets. Start by selling assets with the highest cost basis first and then move on to those assets where your cost basis is lower (and your tax hit is higher). Relative to tax-deferred or tax-free assets, these assets have the highest costs associated with them while you own them, so it makes sense to deplete those first.
3. Finally, tap company retirement-plan accounts and IRAs. Save Roth IRA assets for last.
The Logistics
The sequence in which you tap your accounts will help you determine how to position each pool of money. The money that you'll draw upon first--to fund living expenses in the first years of retirement--should be invested in highly liquid securities like certificates of deposit, money markets, and short-term bonds. The reason is pretty common-sensical: Doing so helps ensure that you're taking money from your most-stable pool of assets first, and therefore you won't have to withdraw from your higher-risk/higher-return accounts (for example, those that hold stocks or more-risky bonds) when your account is at a low ebb. That strategy also gives your stock assets, which have the potential for the highest long-term returns, more time to grow.
To put in place a system for tapping your retirement accounts, start with an estimate of your annual spending needs for the next one to two years and your most recent statements for all of your retirement accounts. Then go through the following steps.
Step 1
Every retiree should have at least one to two years' worth of living expenses set aside in highly liquid (that is, checking, savings, money market, certificate of deposit) investments at all times.
Once you've arrived at the amount of cash that you need to have on hand, determine if your RMDs will cover your income needs for those years (if you're older than 70 1/2). If you're not 70 1/2 and/or your RMDs won't cover your income needs, see if your taxable account will cover your income needs during the next one to two years.
If your taxable account doesn't cover one to two years' worth of living expenses, carve out any additional amount of living expenses from your IRA or company-retirement-plan assets using the sequence outlined above.
Step 2
Once you've set aside your cash position, put in place a plan to periodically refill your cash stake so that it always will cover one to two years' worth of living expenses. This article details the bucket approach to managing your income during retirement.
Step 3
Next, determine a sequence of withdrawals for your longer-term assets, based on the guidelines provided above. The accounts you tap sooner should be in relatively more-liquid investments than those you tap later in retirement. Your longest-term, riskiest assets should go in your Roth IRA because you'll tap them last in the sequence.
Also Keep in Mind
The preceding has focused primarily on retirees who are older than age 59 1/2, the age at which you can begin tapping retirement accounts without penalty. However, if you're between 55 and 59 1/2 and you left your employer after you turned age 55, you can tap your 401(k) without penalty. (You will pay taxes, however, as with all 401(k) distributions.)
And while taxable assets usually go in the "sell early" bin, that's not true if you have highly appreciated assets and plan to leave money to your heirs. If, for example, you own stock that has appreciated significantly since you bought it (and you have no way of offsetting that gain with a loss elsewhere in your portfolio) you may be better off leaving that position intact and passing it to your heirs. The reason is that your heirs will receive what's called a "step up" in their cost basis, meaning that they'll be taxed only on any appreciation in the security after you pass away. If you have a lot of highly appreciated securities in your portfolio (lucky you!), an accountant can help you sort through your options.
A version of this article appeared March 18, 2011.
Excerpted with permission of the publisher John Wiley & Sons, Inc. from 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances. Copyright (c) MMX by Morningstar Inc.
See More Articles by Christine Benz
30-Minute Money SolutionsNeed help picking up the pieces in this turbulent market? 30-Minute Money Solutions by Morningstar director of personal finance Christine Benz simplifies the daunting task of getting your financial house in order. Written for novice and experienced investors alike, this book offers manageable, step-by-step solutions for tackling money challenges and building a comprehensive financial plan in simple 30-minute increments. Learn more.Order Your Copy Today--$16.95
Read more from the original source:
Get a Tax-Smart Plan for In-Retirement Withdrawals
BMO Retirement Tips of the Day: Don't Fear Retirement & Talk to Your Partner About Your Views on Retirement
Posted: at 1:48 pm
TORONTO, ONTARIO--(Marketwire -02/14/12)- As the February 29th deadline approaches to make a contribution to a Registered Retirement Savings Plan (RRSP) and as part of its ongoing commitment to improving financial literacy, BMO Financial Group will be providing daily retirement tips during the month of February from BMO Retirement Institute Head Tina Di Vito's new book 52 Ways To Wreck Your Retirement...And How To Rescue It.
Tip Number 27:
Focus your energy on things that really matter to you in retirement
Many people are wary of retirement and may go through different emotional stages, including impatience, fear, excitement, disappointment and/or happiness. Rather than fearing the unknown, embrace this new phase of your life. Retirement can be a rewarding and fulfilling time, if you let it. Consider the following if you are feeling unsure about retiring:
-- Instead of worrying about how you will fill your newly open schedule,
look forward to controlling your 24-hour clock.
-- Leaving your profession does not mean losing your identity - titles are
just titles and do not define who you are.
-- Try a "mini-retirement" or ease into retirement by gradually reducing
your work hours.
-- Do not wait until you retire to try new activities - start them now.
Tip Number 28:
Plan for retirement together and talk to your partner about what you want to do.
You and your spouse may not be on the same page with regards to how you want to spend your retirement. It is critical that you openly discuss your ideas and views for your retirement with your partner so that you are able to plan together. Consider these topics when discussing your retirement plans:
-- Will you both be retiring at the same time?
-- What activities do each of you want to do? List both individual
activities and shared activities.
-- How will family be a part of your retirement?
-- How will you continue to develop friendships and grow your social
networks?
-- What roles will you each play? Will your role at home change once you
retire?
For more information on retirement: http://www.bmo.com/retirement.
Get the latest BMO press releases via Twitter by following @BMOmedia.
The rest is here:
BMO Retirement Tips of the Day: Don't Fear Retirement & Talk to Your Partner About Your Views on Retirement
Part 7 – Self-employment Lifestyle Reality Check. – Video
Posted: at 1:48 pm
Visit link:
Part 7 - Self-employment Lifestyle Reality Check. - Video
Arsenal's Thierry Henry not thinking of personal glory ahead of Champions League clash with Milan
Posted: at 1:48 pm
Thierry Henry has admitted that he is not thinking of personal glory as he looks forward to his last game in an Arsenal shirt, Wednesday's Champions League tie with AC Milan.
Henry is set to return to parent club New York Red Bulls after the match at San Siro, but says he is not thinking of scoring a goal against the Italian side, just helping his own team on the night.
"I have not thought about it," he told The Independent. "I just want to help Arsenal on the night.
"I am an Arsenal player for one more game. Milan is Milan. It is another type of game and it is never easy to win away in the Champions League."
Henry is the only player in the current Arsenal squad who appeared in their famous 5-1 victory over Inter Milan in 2003 and admits that the significance of rejoining the club hasn't quite sunken in yet,
"I will look back on it afterwards and see what happened. It has all been kind of unreal."
The importance hasn't been lost on the rest of the squad, however, with Aaron Ramsey praising the French striker before saying Arsenal should aim to take the initiative in Milan.
"It's been a fantastic period for [Henry] coming back to the club that he supports and has done so much for. It's a great story for him so far," he said.
"If we can go [to Milan] and get a few goals and then come back to the Emirates then that's going to be a fantastic result for us. Hopefully, we can get a couple of goals and keep them out as well."
After the weekend's victory against Sunderland in the Premier League, Arsenal are back into the Champions League places, and Ramsey admits it is a good feeling but says his side need to focus on the next game before thinking of anything else.
"It's nice to be level on points in fourth place and back in a Champions League place, where we want to be," he continued.
"We're going to take each game as it comes. Now we'll concentrate on the big game on Wednesday."
How do you stay up to date with football when on the move? With http://m.goal.com – your best source for mobile coverage of the beautiful game.
See the article here:
Arsenal's Thierry Henry not thinking of personal glory ahead of Champions League clash with Milan
Blackbelt in Excellence – achieving personal, team and business success – Video
Posted: at 1:47 pm
Read more:
Blackbelt in Excellence - achieving personal, team and business success - Video
Ashworth College Unveils New Bridal Consulting Online Social Community Group
Posted: at 1:47 pm
Ashworth College offers online wedding planning destination with tips, techniques, and strategies for personal and career success...for those looking to make a career in the wedding industry, this leading online school is introducing an online resource for those interested in the field of bridal consulting and wedding planning.
Peachtree Corners, GA (PRWEB) February 14, 2012
Valentine’s Day is considered to be the most popular day for couples to get engaged. And the engagement is just the first of many steps towards walking down the aisle. For those looking to make a career in the wedding industry, Ashworth College (http://www.ashworthcollege.edu/), a leading online school, has introduced an online resource for those interested in the field of bridal consulting.
Ashworth created its Bridal Consulting specialty group within its online Community to provide future bridal consultants, wedding planners and anyone else interested in all things bridal the latest industry best practices, career insights, and invaluable information for furthering their professional skills.
Ashworth offers a nationally accredited online Bridal Consulting Diploma program along with related programs such as Gourmet Cooking and Catering and Floral Arranging. Its Bridal Consulting Group currently has over 800 members (as of February 2012) which is part of the larger 100,000 plus online Ashworth Community.
“Because bridal consulting is such a popular program for Ashworth, it’s our goal is to be a trusted resource to those interested in topics relating to such a highly creative and diverse industry,” said Amy Bernard, Director of Interactive Marketing for Ashworth College.
She went on to add “For our students, we wanted to create a comprehensive online learning environment where they can interact with others who have similar interests and goals, faculty, and working professionals in the wedding industry. For prospective students, it also provides a forum to gather information and to ask questions that will benefit their personal well being or to help make informed decisions about their educational needs.”
Ashworth has been educating working adults for the past 25 years. With the launch of the Bridal Consulting Group, Ashworth now provides a state-of-the-art online resource that shares professional content with non-students, as well as social networking opportunities for existing students. Group members and visitors will find:
Job growth through 2018 will result from more and more couples – and their parents – being too busy to plan the wedding they want. They will hire professionals to handle every detail – from the engagement party to the honeymoon getaway. The U.S. Department of Labor projects opportunities for those working in wedding planning and related fields to grow up to 16%.
“I have always wanted to go into business for myself and believe that this is perfect timing for me. I basically planned my own wedding two years ago by myself. With my brother getting married in April and my sister in July of next year, I already have my first two clients lined up. I want to have all the programs completed by then and kick myself into overdrive to get my business going. It's a lot of work but I'm excited and ready to go!” posted Nicole from Dothan, AL.
About Ashworth College
Ashworth College, a leading online school, has built a tradition of excellence spanning 25 years, offering students worldwide more than 115 online college degree programs, online certificates, career training and online high school diploma options that are affordable and fit the busy schedules of working adults. Ashworth also offers military education online as well as specialized programs for corporate partners and homeschoolers.
Headquartered in Norcross, GA, Ashworth is accredited by the Distance Education and Training Council (DETC). The Accrediting Commission of the DETC is listed by the U.S. Department of Education as a nationally recognized accrediting agency. James Madison High School is further accredited by the Southern Association of Colleges and Schools Council on Accreditation and School Improvement (SACS CASI). For more information, visit http://www.ashworthcollege.edu/.
###
Richard Orr
Ashworth College
770-729-8400
Email Information
See the original post:
Ashworth College Unveils New Bridal Consulting Online Social Community Group
Messer to receive Ambassador of the Year honor
Posted: at 1:47 pm
Richland Economic Development executive director Leslie Messer will receive the Montana Ambassador of the Year award during the Montana Ambassadors’ annual meeting and conference March 22-23.
Messer serves on the ambassadors’ board of directors and exemplifies what it means to be a Montana Ambassador through her service to the organization and the state of Montana. Messer works every day with businesses involved in the Bakken development and growth of eastern Montana.
Gov. Brian Schweitzer has announced Harold Hamm CEO of Continental Resources, the largest independent oil producer in the Bakken region, will keynote the Montana Ambassadors annual meeting and conference. The conference theme is Imagine the Possible and will be held at the Billings Crowne Plaza.
Hamm, chairman and CEO of Continental Resources, founded the predecessor company in 1967 as an oilfield service provider, later expanding to focus on the exploration and production of crude oil and natural gas properties in Oklahoma. In 1993, Continental Resources expanded into the Rocky Mountain region, first into the Red River Units of Montana and the Dakotas, and then into the Bakken Shale play in Montana and North Dakota. The company is now the third largest crude oil producer in the Rocky Mountain region, the largest leaseholder and driller in the Bakken Shale and the largest leaseholder in the Anadarko Woodford in Oklahoma, with additional operations in the South and East regions of the United States.
“The Montana Ambassadors play an important role is sharing our success stories, such as our top business climate and high quality of life, to attract new businesses and create jobs. We are also excited to have Harold Hamm, a leader in the energy industry, speak at the annual meeting,” Schweitzer said.
A special energy panel will highlight the second day of the conference and include leaders in wind power development, coal development, merchant electrical transmission line development and oil pipeline development.
The governor will also present five major Montana Ambassador Awards.
The Montana Ambassadors is a volunteer, not-for-profit organization of leaders in business, education, economic development, and local and state government with a common dedication of supporting the governor’s economic development agenda and improving the economy of Montana.
See the rest here:
Messer to receive Ambassador of the Year honor