Archive for March, 2012
ASK COACH: Building a Client List…? – Video
Posted: March 1, 2012 at 4:52 pm
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ASK COACH: Building a Client List...? - Video
Michael Jackson Whitney Houston Health
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Michael Jackson Whitney Houston Health
Paramount Health
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Health & Wellness Calendar for the week begnning Thursday, March 1, 2012
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Thursday, March 1 Yoga at Calabasas Library: Deanne Wenger leads a class, noon Thursday, March 1 and March 15. Bring a yoga mat. 200 Civic Center Way. 818-225-7616.
Cancer stage IV discussion group: 6-7:30 tonight. Reservations required. The Wellness Community Valley/Ventura, 530 Hampshire Road, Westlake Village. 805-379-4777.
Memory assessment for seniors: Seniors 65 and older may make an appointment, 9 a.m.-8 p.m. Wednesday-Thursday. 6345 Balboa Blvd, building 3, No. 363, Encino. 818-705-7450. http://www.priresearch.com.
Gentle yoga for cancer patients, survivors and their families: 1-2 p.m. Thursdays and Tuesdays. Free but reservations required. Jennifer Diamond Cancer Foundation, 9410 Owensmouth Ave., Chatsworth. 818-700-6900. http://www.jenniferdiamondfoundation.org.
Dental services for low-income and uninsured adults: Appointments, 7:30 a.m.-4:30 p.m. Monday-Thursday and 7:30 a.m.-4 p.m. Friday. S. Mark Taper Foundation Health Center, 6043 Hollywood Blvd., Los Angeles. 323-653-1990. http://www.thesabanfreeclinic.org.
Fitness classes for older adults: Energy exercises, qigong and warm-ups, 9:30-10:40 a.m. Thursdays, Fridays, Mondays. Call for fee. Be The Change Energy Center, 22030 Clarendon St., Suite 213, Woodland
Meditation as Medicine - Yogic Meditation for Health and Healing: Weekly class, 7-8 p.m. Thursdays. Cost $17 per class; $150 series of 10. Reservations required. The Healing Compass Acupuncture Clinic and Qi Center, 22440 Clarendon St., No. 101, Woodland Hills. 818-591-8600.
Arthritis Foundation exercise program: For adults 50 and older, 10-11 a.m. Thursdays. Fee $10 per month. Agoura Hills Recreation Center, 30610 Thousand Oaks Blvd. 818-597-7361.
Gentle yoga: 8:15-9:45 a.m.; and tai chi, 10-11:15 a.m. Thursdays. Free. OneGeneration Senior Center, 18255 Victory Blvd., Reseda. 818-702-8693.
Breast-feeding support group: 10-11:30 a.m. Thursdays. Reservations requested. Northridge Hospital Medical Center, 18300 Roscoe Blvd. 818-885-8500, Ext. 2289. http://www.NorthridgeHospital.org/BabiesFirst
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Health & Wellness Calendar for the week begnning Thursday, March 1, 2012
Jennifer Galardi Introduces On-Site Wellness Retreats Aimed at Rejuvenating Employees to Her livWHOLE Health and …
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NEW YORK, Feb. 29, 2012 (GLOBE NEWSWIRE) -- Nationally recognized health and fitness expert, Jennifer Galardi, knows the challenges everyone faces trying to stay centered in a hectic world. She understands it can be difficult to carve out time for yourself between work, home and family commitments. That's why she's on a mission to teach people how to create healthy habits and find balance, with her latest venture, livWHOLE Retreats.
Galardi says, "While technology has brought wonderful advancements to our society, it has also been a contributing factor in declining health. Many of us lead fairly sedentary lifestyles, moving only our fingers on a keyboard or walking just far enough to get from our car to our desk. Our bodies were meant to move. It's vital that we begin to see fitness not only as a means to an end (such as a trim waistline), but also as a daily routine to keep our bodies comfortable and disease-free."
Fully customizable, livWHOLE Retreats bring the restorative and energetic 'vacation' to you and are designed around you and your company's needs. Whether you want a one day on-site team building retreat or a week of sunrise yoga, afternoon cooking classes and a way to unplug before your team heads home, livWHOLE Retreats offers a variety of classes and seminars to ensure your employees are fulfilling their highest potential.
livWHOLE Retreats are a great affordable and healthy alternative for companies seeking something other than the typical convention-style meetings or team- building gatherings. Galardi says, "Learning tools to take care of yourself makes you more productive not only for the time you participate in a retreat, but also in the long term. Yoga, mindful eating, meditation, exercise and good nutrition are all ways to improve physical ailments, manage stress and become more productive. Whether it's helping to relieve carpal tunnel syndrome and back pain, or having an employee improve conflict resolution skills, the bottom line is the techniques I teach and information I share can be life changing."
Throughout her career, Galardi has worked with some of the hottest bodies in Hollywood including Julianne Hough, Kim Kardashian and Carmen Electra to help them achieve their phenomenal physiques. No matter who she is working with, she stresses the importance of being present in the moment -- and says, "The best thing we can do is educate ourselves about nutrition, fitness and wellness. Fill your toolbox with knowledge and then make the best decisions on which tools you'll use on any given day according to the challenges you may face."
About Jennifer Galardi
Nationally recognized star of more than a dozen best-selling dance/fitness DVD's Jennifer Galardi is a popular figure among top media, held in high esteem throughout the fitness industry, and adored by fans. Jennifer has been teaching dance and fitness classes in Los Angeles, Orange County, and New York City for more than a decade at prestigious studios and clubs such as The Edge, Sports Club L.A., CRUNCH, and Equinox. In addition to creating and leading her own DVD's, Jennifer has been involved in many exciting and high-profile projects. Regularly featured in top fitness and health magazines, she is also the face of Nautilus' CoreBody Reformer and was a featured trainer for SELF Magazine's, "Lose 8 Pounds," Campaign. She has developed and starred in several online workouts for Exercise TV, created workouts for Carmen Electra's Aerobic Striptease DVD series as well as Kim Kardashian's fitness program "Fit In Your Jeans by Friday." Jennifer has been seen as the face of top health and fitness brands such as Adidas, Under Armour, New Balance, lululemon, Nike, and Coca Cola's Enviga drink and featured in popular magazines such as Cooking Light, Fitness, Shape, Oxygen and Health.
For more information, contact: Sandy Peddicord, TrendSide PR sandy@trendsidepr.com
This information was brought to you by Cision http://www.cisionwire.com http://www.cisionwire.com/jennifer-galardi/r/jennifer-galardi-introduces-on-site-wellness-retreats-aimed-at-rejuvenating-employees-to-her-livwhol,c9226315
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Jennifer Galardi Introduces On-Site Wellness Retreats Aimed at Rejuvenating Employees to Her livWHOLE Health and ...
(Very) Early Retirement – Video
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(Very) Early Retirement - Video
Red Sox Report: Bobby V on Retiring Tek – Video
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Red Sox Report: Bobby V on Retiring Tek - Video
How much does retirement really cost?
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By Mark Miller
Most retirement planning exercises begin and end with a simple question: How much income will you need to replace after you quit work?
But looking at income alone isnt enough, as spending habits change during retirement youre no longer paying the same taxes, saving for retirement or incurring work-related expenses for clothing and transportation. And saving habits change, too.A report from the nonprofit U.S. Employee Benefit Research Institute (EBRI) looks at the interaction of income, expenses and savings in retirement. Using survey data from 5,000 retired households from 2000 to 2009, the report details how different socioeconomic groups of older Americans are faring in retirement.
Although the median income for retired households is 57% that of working households, retired households spend about 80% of what working households spend. More affluent households, which have been able to save for retirement, use those assets to plug the gap between income and spending.
From a retirement planning standpoint, EBRIs most important finding is that overall spending in retirement falls with age which means that a retiree wont need a constant replacement rate of pre-retirement income. The EBRI research also reflects the profound influence of income inequality and job loss on retirement security
The main reason is that health deteriorates with age, and that means people cant necessarily do all the things they planned, says Sudipto Banerjee, research associate at EBRI and author of the report. Discretionary spending on things like vacations and entertainment fall.
That finding reinforces data from the U.S. Bureau of Labour Statistics data that has suggested that the early years of retirement are the most expensive.
The two largest expenses in retirement are non-discretionary: housing and health care.
Housing costs, in particular, point to the economic squeeze facing lower-income seniors. EBRI found that housing made up 47% of expenditure in 2007 for the lowest-income quartile, compared with 41% for the highest-income quartile. Health spending was steady across all income groups, at 9% to 11%.
But spending on health increases with age. In 2009, people between the ages of 50-64 spent 9% of their total budget on health items, while those 85 or older spent 18%.
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How much does retirement really cost?
Delaying Retirement: Why 68 Has Become 'the New 65'
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For many Baby Boomers who are closing in on retirement without enough money in the till, working longer is the only lever they can pull.
"68 is definitely the new 65!," exclaims Stacy Francis, a certified financial planner in New York City. "Delaying retirement leaves a worker with fewer years of retirement to finance, more time to save and earn returns, and higher Social Security benefits if they delay taking them."
A survey by human resources consulting firm Towers Watson earlier this year found about 39 percent of workers plan to delay retirement and the majority of those delaying retirement expect to work another three years. The findings mirror the advice of the financial experts in a CNBC recent roundtable discussion on "The New Retirement."
"If you can keep your job, YES, work longer," agrees Frank Troise, senior portfolio manager at SoHo Asset Management in San Diego, California.
He says Boomers face a "financial tri-fecta" income, expenses and investment returns and if you lose one, the other two have to be modified.
"The Boomer today who is 55 or older, they're not receiving any income appreciation," Troise says. "They're at serious risks of not keeping their jobs. Since income is not a variable they can control, if they're also now reassessing their market returns, the only other variable they can control is their expenses."
"Not only does working longer mean more contributions and more compounding, but the longer you can defer drawing assets from your portfolio, the more you improve its longevity," says Christine Benz, director of personal finance at Morningstar.
"It's also likely that bond and cash yields will be more hospitable in the years ahead than they are right now," she adds. "And delaying Social Security benefits is also valuable."
If you're 55 or older, you won't reach the full retirement age for Social Security benefits until age 66 1/2 or 67.
So retiring at 68 or even 70 may not seem like much of a stretch.
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Delaying Retirement: Why 68 Has Become 'the New 65'
6 Questions Everyone Asks Before Starting a Business
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So you're thinking about starting your own business? Many new entrepreneurs focus solely on their business ideas during the startup process--and rightfully so. But what about those less exciting yet important business decisions that could dramatically affect your performance or your bottom line?
Here are six questions you should ask and answer before earning your first dollar:
[See The Best Jobs of 2012.]
1. Do I really need an office? The answer depends on the nature of your business. You'll need space if you require a storefront or on-site personnel, but if you're like the majority of virtual businesses today, consider setting up a home office or renting shared office space instead. Starting a business can be extremely expensive, so reducing costs is the best option to improve your bottom line when revenue is small. Look into shared office services like Loosecubes, and check out online collaboration tools like Dropbox or Addie to share files and ideas with colleagues and clients.
2. Can I afford personal healthcare? Expensive healthcare is probably the top reason that many aspiring entrepreneurs refuse to break away from the comfort of their current corporate benefits. However, services like eHealth help you research plans and options that fit your personal needs and budget. Don't let personal healthcare costs prevent you from starting your own business, and don't take unnecessary risks by going without coverage.
3. What is considered a business expense? One major benefit of owning your own business is the ability to write off certain expenses on your taxes. Always seek the advice of a licensed tax professional if you have questions while preparing your returns. A few commonly forgotten business expense deductions include mileage; rent, mortgage, and utilities related to your home office; telecommunications, business meeting meals, and tax preparation fees.
[See Five Tools Every Entrepreneur Should Know About.]
4. How can I save for retirement? Small business owners can contribute to an individual 401(k). Essentially, you use your small business to "match" your personal contributions--a great way to use both company money and earned salary to fund your retirement. There is a maximum total contribution of $50,000 for 2012, which should be plenty for most small business owners.
5. How should I structure my company? There are several different business structures available, each with their own legal and financial implications, so do your homework to choose the right structure. Limited liability companies (LLCs) are becoming increasingly popular for small businesses due to low filing fees, ease of incorporation, relaxed tax implications, and liability protection for owners. If you need to incorporate to share ownership or shares but want to report profit and loss on your personal tax return, then an S corporation may be right for your business. If you choose to incorporate as opposed to setting up a sole proprietorship or LLC, you will need to elect a board, sign a shareholder agreement, and facilitate annual meetings to comply with government regulations.
[See How to Set Yourself Apart From Other Newbie Entrepreneurs.]
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6 Questions Everyone Asks Before Starting a Business