June-Marie Raw Food and Fitness Health Driving to Brothers 006 – Video
Posted: February 27, 2012 at 4:39 pm
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June-Marie Raw Food and Fitness Health Driving to Brothers 006 - Video
Herbalife – Personal Trainers
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Herbalife - Personal Trainers
Financially fit: New East Naples gym owner combines his passions
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Fitness and finance have a lot in common.
Adam Deane, 41, who owns Ronin Capital Management and will open an Anytime Fitness in East Naples on March 15, said the similarities between them rest in the mission of helping people achieve their goals.
"You have financial fitness and health fitness," Deane said.
"What I'm trying to do with Ronin Capital is help people with their financial health, and with Anytime Fitness, I'm helping people with their physical health."
Deane said he opened Ronin Capital Management in December 2010 after 14 years of working for financial giants such as Bank of America and Wachovia, which became Wells Fargo last year.
Deane said he witnessed the financial crisis first-hand and ultimately decided to break away and start an independent capital management business.
"The firms were doing things that they shouldn't have been doing, pushing investments that they shouldn't have been pushing and, at the end of the day, I felt that the larger firms did not have the client's best interest in mind," Deane said.
"I'm ultimately about preserving capital, making money for my clients and sitting on the same side of the table as they do," he said.
Deane began in the financial advising world after a short stint in realty, a business that his father and stepmom have owned for more than 30 years with Andrea Deane and Associates.
Deane said after moving to Naples in the mid-1990s and realizing the influx of Realtors, he began to find a different profession. He said he contacted Larry L. Galantis at Prudential Securities about becoming a financial adviser. Galantis hired Deane and served as his mentor.
"My role was to provide him with the guidance that one can not learn in a classroom environment," said Galantis.
Galantis, who now works for Raymond James Financial in Tampa, said he helped Deane develop his skills as an adviser and continues to act as a sounding board for Deane's ideas.
Galantis said that as a financial adviser he tells clients to diversify their investments, a tip he said that advisers like himself and Deane should adhere to.
"It's called practicing what we preach," Galantis said. "In the case of Anytime Fitness, it allows him to capitalize on a passion of his, which of course, is physical fitness."
Deane said that as an adviser he is always on the lookout for opportunities and he found one after hearing about Anytime Fitness from a friend in Mississippi about two years ago.
Deane said he had always thought about opening a gym but the "big box" gym model was something he wanted to avoid.
Anytime Fitness appealed to Deane because of its smaller size and focus on a more intimate relationship with members compared to them feeling like a number.
"The best way to describe what I'm trying to do is to create a 'Cheers' environment in the gym," Deane said, referring to the former NBC television series.
"Where everybody knows your name."
The 5,000-square-foot gym, near the intersection of 951 and Davis Boulevard, is open 24 hours a day seven days a week and caters to members' time schedule, Deane said.
The gym will have traditional machines in addition to a room for CrossFit training, which he said is an effective method of training that creates camaraderie among participants. The gym will also have a "Heroes" membership program for those who serve in the community as firefighters, EMTs, hospital staff, police officers and other first responders.
Deane's Anytime Fitness is not the first in the area. The first Anytime Fitness opened in March 2008 off Livingston Road in Naples. According to owner Dustin Heath, the two gyms will not be in competition and the addition of another Anytime Fitness will help the business.
Deane said his ultimate goal is to open two more Anytime Fitness gyms in Southwest Florida in the next two years and to expand to about 10 clubs throughout Florida in the next five years.
Although Deane said his first priority is his investment business, he thinks the gyms serve as a perfect complement.
According to Deane, his passion for fitness is something that will be brought to his ownership in the gym. Deane said he has been heavily involved in fitness since the age of 13 and that passion continued throughout high school and college.
Deane's fitness path led him to mixed martial arts while working as a financial adviser in the late-1990s. Deane said he was looking for an outlet to release the stress from the day and that he found that outlet in mixed martial arts, a passion that he had first got involved in while in California.
Deane said he continued to train and compete in fights in Bonita Springs at American Kenpo Karate and Shootfighting. Deane said while at American Kenpo he reached the ranks of assistant instructor.
Deane said being an entrepreneur is all about taking risks and branching out to other endeavors.
"If you look at the businesses or entrepreneurs who do well, they are the ones who take the risks when things aren't going well," Deane said.
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Financially fit: New East Naples gym owner combines his passions
5 Ways to Live Large During Retirement
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As of last year, the first of the baby boomers became the most recent batch of Americans to enter their golden years. Senior citizenship, for these newly minted members of the U.S. retired segment, shouldn't come as a challenge to a generation accustomed more than any other to changing times. From childhoods spent growing up in an optimistic Post-World War II climate to the tumultuous social and political upheavals of the 60s, facing the end of one's career may seem like a simple afterthought, all things considered.
[In Pictures: The 10 Best Places to Retire in 2012.]
But times have changed once again, and boomers are among the first to face retirement amidst an economy wounded by the recession, a slumped housing market, and insecurities over the future of Social Security benefits. More than ever before, retirees are concerned about saving money and making the most out of their dollars after age 65.
It is possible, however, to live on less without sacrificing all of the good things that make for an enjoyable retirement. With a bit of careful budgeting and some common-sense spending, scaling back your expenses doesn't have to mean diminishing your quality of life.
[See The Growing Challenge of Funding Retirement.]
1. Move wisely, buy smaller, save bigger. If you and your spouse are empty nesters and your children grown and moved away, all those extra rooms in your house may lose their necessity. But downsizing doesn't mean less. Many newer homes and condominiums can be had for cheaper, with more modern amenities than their older, more expensive and high-maintenance counterparts. If health and mobility are an issue during retirement, opting for a one-level, ranch-style dwelling reduces the need for stairs, levels, and the overall real estate price. (In the best-case scenario, you may walk away with a profit after the sale of one house for the purchase of another.)
Depending on the location, your savings can be compounded further. Warm climate, access to water, and affordable recreation were a few of the priorities boomers placed on their retirement wish lists, according to a recent Huffington Post survey. Choose wisely where you hang your hat, so your overall cost of living is cheaper. Areas in Texas, Georgia, Idaho, and Nevada have still been untapped by the growing retirement market and are more affordable than California or New York.
[See 10 Places to Retire on Social Security Alone.]
Residing in a temperate climate without the seasonal ups and downs of frigid winters and humid summers cuts down on monthly utility costs. Retiring to a more affordable region makes a world of difference in property taxes as well--think $3,600 per year in Florida versus $10,000 annually in the New York City metro area.
2. Two people to one car. Carpooling doesn't have to be just for the working class anymore. With gas approaching the $5 mark in some states this week, choosing to cut back on driving is an economical choice for motorists of any age.
For retirees, keeping a single car to share between both spouses reduces both your fuel and insurance costs, and helps the environment at the same time. Plus, it gives the perfect opportunity to get out of your car, reduce your carbon footprint, and stay healthy simultaneously. If you live close to a downtown or local shops, get in some exercise, and take the time to walk or bike where you can.
[See 10 New Retirement Hot Spots.]
3. DIY. Were you always handy around the house or skilled with your hands? Many retirees discover their hidden artistic talents. Learn to paint or sculpt, and display your wares at the weekly downtown art walk. There's a great chance that the sale of your work could net some extra income while doing what you love.
Did your career and raising a family set back your dream of becoming a master gardener? Retirement and the free time it offers now gives you that chance to put your green thumb to the test and hone your landscaping skills. Planting the vegetable garden you always wanted and seeing it thrive is not only personally gratifying, but sustainable, and a healthy and affordable option to avoiding overpriced groceries.
4. Long live learning. Don't fight the urge to cancel that cable TV subscription if you don't think it's a needed household staple. Save money from one less bill to pay, and opt for other, free-of-charge information centers, like our old friend, the local library. If movies and TV are a given for you and your spouse, the library offers a wide selection of movies for rent, and outlets like Netflix, Amazon, or Hulu provide video on demand at affordable prices. Knowledge knows no age. Discover the eternal student in you. Local colleges and universities may offer a senior discount in their tuition plans, and many permit retirees to attend classes for free as a non-matriculating student.
[See 20 Ways to Stay Busy in Retirement.]
5. Keep it simple. What should be a lifetime practice applies best in retirement. Don't buy more than you need in groceries, clothing, or household goods. If you've planted that garden filled with lush vegetables, save money by supplementing with frozen greens in bulk. Freeze leftovers to reduce waste and cooking time. Become a coupon maven when shopping. And remember, with material belongings and everything else, that less really is more.
Retirement is your time to relax, slow down, and enjoy life. By creating a few smart ways to cut back and spend less, living on less can mean living bigger than ever before, with a lifetime of years ahead of you.
Paul Sisolak writes for http://www.GoBankingRates.com, which provides readers informative personal finance and investing content, as well as the best interest rates on financial services nationwide.
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5 Ways to Live Large During Retirement
Retirement & Downsizing: BMO Advises on How to Determine Whether or Not to Make the Move
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TORONTO, ONTARIO--(Marketwire -02/27/12)- Last year, the first of Canada's nine million Baby Boomers became eligible for retirement. Over the next several years, many will find themselves deciding whether to stay in their homes, transition to a smaller place of residence or relocate to another city or country.
According to a report from the BMO Retirement Institute, the top factors that Boomers stated as reasons to relocate upon retirement included: weather (57 per cent), financial reasons (54 per cent), proximity to family and friends (45 per cent) and better access to healthcare/support services (35 per cent).
Although downsizing may seem like a straightforward move, there are several factors to consider before making the decision.
"Even if downsizing may be years away, it's important not only to think about all of the factors that can affect your decision, but to maintain an open dialogue with your loved ones," said Dr. Amy D'Aprix, BMO Life Transition Expert. "Being proactive will help you remain in control, rather than having to deal with an unexpected move when you're not prepared."
There are several factors to consider when making the decision to downsize or not, including:
Your Health
Although health matters may be hard to predict, it is important to think about what you might need to do if your health status changes in the upcoming years. A good place to start is to ask yourself the question, "If there were a shift in my healthy or mobility..."
-- Could you retrofit your current home?
-- Where might you consider living if your current home no longer makes
sense?
-- Would you feel comfortable receiving professional assistance in your
home?
A Change in Location
A change in location can greatly impact your day-to-day activities and social interactions, and will often determine the lifestyle you lead. Some retirees would prefer to live in a group setting, while others would like to live in a more urban area with easier transport. Consider the following if you are thinking of moving:
-- Will you still be close to family and friends and have adequate social
support?
-- Do you want to be responsible for the upkeep and maintenance of your
property?
-- If you become ill or start having mobility issues, will you be isolated
in your current or new location? Will you be too far away to receive
timely assistance?
-- Where are your main service providers located (bank, doctor,
hairdresser)? Will a change in location provide any inconvenience?
Financial Considerations
Laura Parsons, Mortgage Expert, BMO Bank of Montreal, notes that, for those considering downsizing, many financial factors need to be considered, including costs related to property maintenance and the possibility of renovations to adapt to changes in lifestyle.
"Many Boomers heading into their retirement years may be looking for the lock-and-leave lifestyle. But with convenience comes significant cost considerations, including maintenance, general upkeep and repairs: important factors for preparing yourself financially."
Ms. Parsons added that some may also be weighing their options for adapting or renovating their current home to support them in their retirement years; she suggested that Boomers speak to a financial expert about the programs and options available early in the process.
Thinking of downsizing? BMO provides the following advice:
Make a list - List the items you consider to be important in your current and future lifestyle. Include the factors you want to maintain.
Social network - Assess where your social support network is, both for emotional and practical support. Will your move affect your access to them?
Financial considerations - Examine your financial situation and be sure to explore the costs involved in moving or staying put.
Think ahead - Always think about possible next steps involved and how each step will affect you: 'If this changes, what then?'
Communication - Keep the lines of communication open with loved ones. Share your wishes and desires, so there are no surprises when the time comes to make your move.
Leaving a Legacy- Determine how important is it for you that the home remains in the family. Will a move mean that you will have to sell? If so, find out if anyone in your family is interested in purchasing it.
For more information on planning for retirement, please visit http://www.bmo.com/retirement.
For more information on BMO's home financing solutions, please visit http://www.bmo.com/mortgages.
Get the latest BMO press releases via Twitter by following @BMOmedia.
About BMO Financial Group
Established in 1817 as Bank of Montreal, BMO Financial Group is a highly-diversified North American financial services organization. With total assets of $477 billion as at October 31, 2011, and more than 47,000 employees, BMO Financial Group provides a broad range of retail banking, wealth management and investment banking products and solutions.
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Retirement & Downsizing: BMO Advises on How to Determine Whether or Not to Make the Move
BMO Retirement Tip of the Day: Use a Cash Windfall Wisely
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TORONTO, ONTARIO--(Marketwire -02/27/12)- 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 50:
Make the most of any available lump sums of cash
If you are fortunate enough to have a lump sum of cash available, there are a few good ways it can be used to help build your retirement nest egg. These include:
1. The RRSP option - An RRSP contribution increases your net worth
because of the tax refund you receive. For example, a $10,000 RRSP
contribution could mean a $4,000 refund if you are in a 40 per cent
tax bracket. This refund could be used by putting it towards your RRSP
for next year, or to pay down your mortgage.
- If you only have limited room left in your RRSP to contribute, you
could top up the RRSP to your limit and invest the balance in a
TFSA.
2. The TFSA option - If you do not need to pay down your mortgage and
have already maximized your RRSP contribution, a TFSA is a great
option.
- If you are in a low tax bracket, contributing to a TFSA might be
the best option; you would not benefit greatly from an RRSP tax
refund, and you have more flexibility and no tax impact should you
need to access the funds in your TFSA.
Ask your financial planner or investment advisor to help you make the best choices.
For more information on retirement: http://www.bmo.com/retirement.
Get the latest BMO press releases via Twitter by following @BMOmedia.
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BMO Retirement Tip of the Day: Use a Cash Windfall Wisely
Selecting Your Retirement Plan Beneficiaries
Posted: at 4:39 pm
Sometimes retirement planning and estate planning go hand in hand. This is especially true when it comes to naming or changing beneficiaries for your retirement plan. It is important to know the rules surrounding plan beneficiaries, as decisions you make can have a big impact on your family.
[See top-ranked ETFs by category ranked by U.S. News Best ETFs.]
You generally can name anyone as your beneficiary: your children, your grandchildren, even your next-door neighbor. You can also name a trust. But if you are married, the law requires that your spouse be the main, or primary, beneficiary of your company-sponsored retirement plan unless he or she waives that right in writing. This point can be especially important in the case of second marriages. A waiver may make sense if your new spouse is already set financially or if children from a previous marriage are more likely to need the money.
Keep in mind that only spouses can roll over assets to a tax-deferred individual retirement account (IRA). Non-spouse beneficiaries are not eligible for a tax-deferred transfer to an IRA, which means they will be subject to income taxes on any distribution they receive (as will spouses who do not roll over the assets).
You can name more than one beneficiary, but you will need to specify how much each person will receive in percentage terms. Otherwise, the distribution will be divided equally. Changes in your life, such as the birth of a child, can affect how many beneficiaries you may have. Again, with company-sponsored plans, spouses must waive their right to receive 100 percent of the assets if they are distributed to multiple beneficiaries.
Your beneficiary designation can also affect your own distributions during retirement. The distribution amounts you receive may depend largely on the age and relationship of your named primary beneficiary.
When reviewing your overall estate plan, make sure to include your retirement plan and update your beneficiary designations if necessary. This will help ensure that the entire estate plan flows smoothly and that changes in your family structure are addressed. Also keep in mind that beneficiaries are paid directly as named. Wills generally do not override the directions given on your beneficiary designation form, so do not assume that changing your will is enough to make sure your wishes for your retirement plan are carried out.
[See Questions to Ask When Drafting an Estate Plan]
Consider all consequences, financial and emotional, when naming or changing beneficiaries for your retirement plan. You may want to seek the advice of a tax adviser or an estate planning attorney, as well as a qualified financial professional.
Kenneth Roberts, CFP® CLU, is a Partner at Harbor Lights Financial Group, a full service wealth-management team that has been dedicated to assisting clients in the accumulation and preservation of their wealth for over 25 years. For more information, go to http://www.hlfg.com.
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Selecting Your Retirement Plan Beneficiaries
BMW S1000RR Clutch Maintenance Video 2011 – Video
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BMW S1000RR Clutch Maintenance Video 2011 - Video
SEI Study: Hedge Fund Managers Must Prove Their Performance and Transparency Mettle or Suffer Reputational Risk
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OAKS, PA--(Marketwire -02/27/12)- With significant dollars poised to flow into hedge funds in 2012, managers must address investor transparency and liquidity concerns to take advantage of new funding opportunities, according to the fifth annual global study released today by SEI (NASDAQ: SEIC - News) in collaboration with Greenwich Associates. The second report in the two-part series, titled "The New Dynamics of Hedge Fund Competitiveness," indicates a need for hedge fund managers to move beyond portfolio transparency to provide investors with consistent and insightful communications along with direct access to investment teams. Liquidity and the inability to control exit strategies have also emerged as key concerns for hedge fund investors.
"Client expectations are changing, and despite managers demonstrating improvements in reporting, the study shows that portfolio transparency is simply not enough to satisfy investors anymore," said Ross Ellis, Vice President, Knowledge Partnership for SEI's Investment Manager Services division. "Managers have focused on improving reporting data in recent years, but in order to be successful going forward, their focus must expand to meet emerging client demands for increased personal interaction and dialogue. The playing field has changed and that's clearly the next level of transparency it will take to win in the Era of the Investor™."
Beyond communication, the survey shows that investors want greater detail in terms of security-level disclosure, including leverage detail, valuation methodology, and risk analytics. The study also showed that liquidity has emerged as a key area of concern among investors. Nearly a third of respondents (31 percent) cited ongoing liquidity risk among their biggest hedge fund investing worries, while "an inability to control exit strategy" was named by 46 percent of respondents.
"Evaluating and selecting fund managers has always been a top-of-mind concern for investors," said Rodger Smith, Managing Director of Greenwich Associates. "What this study brought to light is that, as long as they can articulate their value proposition and differentiate themselves from their peers, there is a place for smaller and newer funds in institutional portfolios. In fact, one in five investors polled said they have no asset minimum requirements in order to invest, and while a majority of those surveyed said they seek hedge funds with a history of at least three years, roughly a quarter would consider less, and 14 percent would not eliminate a fund without a track record at all."
Highlighting the increasing inability of investors to distinguish among strategies, 17 percent of respondents said manager selection is the single most important challenge facing hedge fund investors today. While 95 percent of respondents said clarity of investment philosophy is important or very important in the selection process, more than half of respondents (61 percent) said there are too many look-alike strategies in the hedge fund industry. Given that challenge, more than half of respondents (51 percent) said hedge funds are too complex to evaluate without a consultant's help. Respondents were decidedly mixed on the importance of brand in the selection process, while operations are clearly a critical aspect in selecting managers, with 80 percent of those polled agreeing that operational strength is a hallmark of an institutional-quality fund.
The white paper is published by the SEI Knowledge Partnership, which provides ongoing business intelligence and guidance to SEI's investment manager clients. To request the full paper, visit http://www.seic.com/HedgeResearch2012.
About SEI's Investment Manager Services Division
SEI's Investment Manager Services division provides comprehensive operational outsourcing solutions to support investment managers globally across a range of registered and unregistered fund structures, diverse investment strategies and jurisdictions. With expertise covering traditional and alternative investment vehicles, the division applies customized operating services, industry-leading technologies, and practical business and regulatory insights to each client's business objectives. SEI's resources enable clients to meet the demands of the marketplace and sharpen business strategies by focusing on their core competencies. The division has been recently recognized by the Money Management Institute as "Service Provider of the Year," by Buy-Side Technology as "Best Fund Administrator" and by HFMWeek as "Best Single Manager Hedge Fund Administrator (Over $30B AUA -- US)," and "Best Funds of Hedge Funds Administrator (Over $30B AUA -- Europe)." For more information, visit http://www.seic.com/ims.
About SEI
SEI (NASDAQ: SEIC - News) is a leading global provider of investment processing, fund processing, and investment management business outsourcing solutions that help corporations, financial institutions, financial advisors, and ultra-high-net-worth families create and manage wealth. As of December 31, 2011, through its subsidiaries and partnerships in which the company has a significant interest, SEI manages or administers $404 billion in mutual fund and pooled or separately managed assets, including $172 billion in assets under management and $232 billion in client assets under administration. For more information, visit http://www.seic.com.
About Greenwich Associates
Greenwich Associates provides research-based strategy management services for financial professionals. Greenwich Associates' studies provide benefits to the buyers and sellers of financial services in the form of benchmark information on best practices and market intelligence on overall trends. Based in Stamford, Connecticut, with additional offices in London, Toronto, Tokyo, and Singapore, the firm offers over 100 research-based consulting programs to more than 250 global financial services companies. For more information on Greenwich Associates, please visit http://www.greenwich.com.
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SEI Study: Hedge Fund Managers Must Prove Their Performance and Transparency Mettle or Suffer Reputational Risk
CityWide SuperSlow Offers One-on-One Consultation with a Chicago Personal Trainer
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CityWide SuperSlow announces the “Intro Starter Pack” which includes an introduction to the SuperSlow lifting program, a one hour consultation with a Chicago personal trainer, and four high-intensity personal training sessions.
Chicago, IL (PRWEB) February 27, 2012
In February, people begin to think about spring. Resolutions have mostly come and gone, but don’t let that be discouraging. There is never a perfect time to commit to becoming healthier and stronger but if springtime motivates a person, let it! Try the Intro Starter Pack to get a taste of an intense workout that will lead to better overall health and wellness. The Intro Starter Pack offers an in-depth one hour session with a Chicago personal trainer to discuss an individuals fitness needs and goals. The pack also includes four high-intensity workout sessions to get you started!
Theresa Snyder, Chicago personal trainer and partner at CityWide SuperSlow says: “In my 7 years at CityWide SuperSlow, the biggest pitfall for my clients is the frustration from not achieving their ‘end’ fitness or weight goal. As a result, many give up. My primary goal as a personal trainer for clients is to teach them to live a healthy, active, lifestyle where they’re able to enjoy all of life’s pleasures. There is no end; it should be a continuous path throughout life. It is scientifically proven and validated by the success of many of my long-term clients that the SuperSlow method works. However, it will only work if you’re consistent with your workouts and challenge yourself during each workout.”
The certified personal trainers at CityWide SuperSlow will coach a client along this path and teach individuals the SuperSlow protocol. Just when one has mastered the protocol, the Trainer will increase the workout intensity pushing the mind and body to rise to a new challenge. This 5-session (includes consultation and four personal training sessions) “test-drive,” is a great way to evaluate if high-intensity training is the right path to better health for an individual. Be at the very best this summer and every season of the year!
About the Company: CityWide SuperSlow, located in a loft space in the heart of Lincoln Park since 2002, is a private professional environment with no mirrors, music, cell phones or crowds to distract your ability to concentrate. Exercises are performed on specialized MED-X equipment that allows for slow, frictionless movement and full range of motion under controlled speed. Precise records are maintained for every person's individual workout performance. CityWide SuperSlow strives to provide our clients with the quality of training and support they need in attaining their goals. For more information, visit http://www.citywidesuperslow.com
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Theresa Snyder
CityWide SuperSlow
773-281-7569
Email Information
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CityWide SuperSlow Offers One-on-One Consultation with a Chicago Personal Trainer