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Answer You - What Really Works - The Fundamentals Of Strength
Annuities - Don't Put Your IRA In A Variable Annuity
If you’ve talked to a broker or agent about rolling over your retirement account, there’s a good chance the advisor recommended you invest in a Variable Annuity. Don’t do it! I believe the only reason a variable annuity is recommended for an IRA is so the advisor can earn more money. Let me explain.There’s a high probability that if an advisor doesn’t recommend an Equity-Indexed Annuity for your IRA rollover, a Variable Annuity will be recommended instead. ‘There are so many advantages to a variable annuity versus a mutual fund’, you’re told. I disagree. It’s advantageous for the advisor, not the investor.In this article, I’ll debunk the two main arguments used in selling variable annuities. First, that you don’t pay a commission and secondly, the importance of the death benefit guarantee. I’ll explain how you pay dearly for both.One of the main sales ‘hooks’ used in selling a variable annuity is that you don’t have to pay a commission. That can be very compelling when compared to a mutual fund in which you pay the all the commission up-front. Many advisors will even say that they get compensated by the insurance company, not you. Do you really believe that?Insurance companies are not charitable organizations. If they are paying the broker, they’ll recoup those costs from you—the costs are just hidden so you don’t think you’re paying a commission.The second main argument for using a variable annuity for an IRA is the death benefit (not offered with a mutual fund). “That way you’ll never have to worry about your beneficiary getting less than you invested”, the thoughtful advisor says. This feature may seem nice, but you end up paying through the nose for it.With all variable annuities there is a Mortality and Risk Expense (M&E) charge. Most variable annuities sold through commission-based advisors have an M&E charge of 1.45%. This is an annual fee that is ch
ts and principles. Rather than focusing on the different theories, it will serve you better to look at the big picture: the fundamentals. The intention of this article is to present the most effective trIf you’ve talked to a broker or agent about rolling over your retirement account, there’s a good chance the advisor recommended you invest in a Variable Annuity. Don’t do it! I believe the only reason a variable annuity is recommended for an IRA is so the advisor can earn more money. Let me explain.There’s a high probability that if an advisor doesn’t recommend an Equity-Indexed Annuity for your IRA rollover, a Variable Annuity will be recommended instead. ‘There are so many advantages to a variable annuity versus a mutual fund’, you’re told. I disagree. It’s advantageous for the advisor, not the investor.In this article, I’ll debunk the two main arguments used in selling variable annuities. First, that you don’t pay a commission and secondly, the importance of the death benefit guarantee. I’ll explain how you pay dearly for both.One of the main sales ‘hooks’ used in selling a variable annuity is that you don’t have to pay a commission. That can be very compelling when compared to a mutual fund in which you pay the all the commission up-front. Many advisors will even say that they get compensated by the insurance company, not you. Do you really believe that?Insurance companies are not charitable organizations. If they are paying the broker, they’ll recoup those costs from you—the costs are just hidden so you don’t think you’re paying a commission.The second main argument for using a variable annuity for an IRA is the death benefit (not offered with a mutual fund). “That way you’ll never have to worry about your beneficiary getting less than you invested”, the thoughtful advisor says. This feature may seem nice, but you end up paying through the nose for it.With all variable annuities there is a Mortality and Risk Expense (M&E) charge. Most variable annuities sold through commission-based advisors have an M&E charge of 1.45%. This is an annual fee that is ch
5 More Ways to Improve Your Blog
The world of blogging moves really fast. As fast as millions of people can write code, plug-ins and content. About 75,000 new blogs are added everyday. Bear in mind that most of them are of the ilk “My Cat’s Philosophy” and really aren’t readable and provide no value to anyone but the indifferent cat blogging community.Alright, we all know that our daily routine should include a shower, a shave and maybe even brushing our teeth before we do our daily blog posting. In the world of blogs, content is king, regardless of whether you brush your teeth or not. Hopefully you’ve optimized your blog, the content is valuable and every post is pinging out the RSS world. People are now taking notice.Here’s 5 more ways you can improve your blog and create value for your company or cause and better the user experience.Get People to Participate Help out your content building strategy and your traffic strategy by encouraging people to participate. Here’s some tips:Customize your “Here’s your password” message when they register to post or comment.Give them something for free to get them to register. A “How to PDF” or free MP3 download. Include a link to the file in your “Here’s Your Password” email.Hold a contest, pose a question for the community, encourage them to voice their opinion.Keep People Participating Use a weekly or monthly newsletter to keep them informed.Include an “Email This” and “Print This” function on your blog. Let them share the wealth and encourage their friends to register. Build your database.Include a Bio Pop Up feature that allows blog “members” to share their personality and background. Dagon Design has a neat plug-in for this one.“Partner Up” with a rich media provider such as VoiceAmerica talk radio and add links to rich medi
It seems like the debates over effective resistance training program design will never end. Throughout my career as a trainer I have studied and implemented countless strength and hypertrophy regimens. What always intrigued me was that so many of these programs promote what appeared to be completely antagonistic training philosophies! One guru will insist that only high volume training is ideal for muscle growth, while another expert declares that low volume, high intensity training is the key. Other routines were so convoluted that you would spend more time contemplating the complex variations therein than actually training! This is called “analysis paralysis”.The world of blogging moves really fast. As fast as millions of people can write code, plug-ins and content. About 75,000 new blogs are added everyday. Bear in mind that most of them are of the ilk “My Cat’s Philosophy” and really aren’t readable and provide no value to anyone but the indifferent cat blogging community.Alright, we all know that our daily routine should include a shower, a shave and maybe even brushing our teeth before we do our daily blog posting. In the world of blogs, content is king, regardless of whether you brush your teeth or not. Hopefully you’ve optimized your blog, the content is valuable and every post is pinging out the RSS world. People are now taking notice.Here’s 5 more ways you can improve your blog and create value for your company or cause and better the user experience.Get People to Participate Help out your content building strategy and your traffic strategy by encouraging people to participate. Here’s some tips:Customize your “Here’s your password” message when they register to post or comment.Give them something for free to get them to register. A “How to PDF” or free MP3 download. Include a link to the file in your “Here’s Your Password” email.Hold a contest, pose a question for the community, encourage them to voice their opinion.Keep People Participating Use a weekly or monthly newsletter to keep them informed.Include an “Email This” and “Print This” function on your blog. Let them share the wealth and encourage their friends to register. Build your database.Include a Bio Pop Up feature that allows blog “members” to share their personality and background. Dagon Design has a neat plug-in for this one.“Partner Up” with a rich media provider such as VoiceAmerica talk radio and add links to rich medi
What became apparent, however, was that despite all of the conflicting information, the most effective programs typically share common elements and principles. Rather than focusing on the different theories, it will serve you better to look at the big picture: the fundamentals. The intention of this article is to present the most effective tra
Chain of Fools
It seems the Good Housekeeping Seal of Approval has been replaced by Oprah Winfrey when it comes to a validation of credibility ...Having said that, if I'm not mistaken, all the former ever meant was that the product or service in question paid to advertise in Good Housekeeping magazine.Still, in the vast anonymity of the cybermarket, a claim of credibility is vital to those who wish to convince us to send them money. Via her phenomenonally successful syndicated television show, Ms Winfrey's excellence at accurately portraying causes, incidents and situations has earned her a lofty mantle as the Anointess of Authenticity.We can even see this phenomenon at work on the Longer Life Group's website that hosts my column, as there are products advertised which espouse her name. That's fine, of course, as it's easy for us to discern that the claims of these products are real in that respect (eg- Bob Greene really is her personal trainer). They are, no doubt, good products. If I ever feel the need to lose ten pounds in thirty days, I'll give them a try.However, in the wild world of cyber-commerce, it seems that some salesmen decided to take a shortcut in this process. They figured it was good enough to merely claim their product was featured on Oprah.As you've maneuvered through the spam and detritus of cyberspace, it's odds-on you've seen this headline:'As Seen On Oprah! Teenager Makes $71,000 by Mailing a Simple Letter!'The sales pitch relates the tale of a kid who diligently sent God-knows-how-many chain letters and wound up with a closetful of $10 bills, or something like that. The pitch goes on to state that this story was also featured on an American newsmagazine, 20/20, and featured in the Wall Street Journal. However, those outlets are merely there for support. It's Oprah that gives this story 'legs,' as they say in the movie business.The obje
hat always intrigued me was that so many of these programs promote what appeared to be completely antagonistic training philosophies! One guru will insist that only high volume training is ideal for muscle growth, while another expert declares that low volume, high intensity training is the key. Other routines were so convoluted that you would spend more time contemplating the complex variations therein than actually training! This is called “analysis paralysis”.It seems the Good Housekeeping Seal of Approval has been replaced by Oprah Winfrey when it comes to a validation of credibility ...Having said that, if I'm not mistaken, all the former ever meant was that the product or service in question paid to advertise in Good Housekeeping magazine.Still, in the vast anonymity of the cybermarket, a claim of credibility is vital to those who wish to convince us to send them money. Via her phenomenonally successful syndicated television show, Ms Winfrey's excellence at accurately portraying causes, incidents and situations has earned her a lofty mantle as the Anointess of Authenticity.We can even see this phenomenon at work on the Longer Life Group's website that hosts my column, as there are products advertised which espouse her name. That's fine, of course, as it's easy for us to discern that the claims of these products are real in that respect (eg- Bob Greene really is her personal trainer). They are, no doubt, good products. If I ever feel the need to lose ten pounds in thirty days, I'll give them a try.However, in the wild world of cyber-commerce, it seems that some salesmen decided to take a shortcut in this process. They figured it was good enough to merely claim their product was featured on Oprah.As you've maneuvered through the spam and detritus of cyberspace, it's odds-on you've seen this headline:'As Seen On Oprah! Teenager Makes $71,000 by Mailing a Simple Letter!'The sales pitch relates the tale of a kid who diligently sent God-knows-how-many chain letters and wound up with a closetful of $10 bills, or something like that. The pitch goes on to state that this story was also featured on an American newsmagazine, 20/20, and featured in the Wall Street Journal. However, those outlets are merely there for support. It's Oprah that gives this story 'legs,' as they say in the movie business.The obje
What became apparent, however, was that despite all of the conflicting information, the most effective programs typically share common elements and principles. Rather than focusing on the different theories, it will serve you better to look at the big picture: the fundamentals. The intention of this article is to present the most effective tr
Tanning
Few people are satisfied with nature’s gifts to them. Therefore, we have people with curly hair going in for hair straightening, and those with straight hair having it curled. Blondes want to become redheads, and brunettes want to become blondes. The list of changes that people want to make to their skin and hair is endless. Tanning is one change that many white-skinned individuals want.Tanning gives white skin a bronzed look that is often associated with health and vitality. In fact, many people frequent beaches just to acquire a natural tan. Others, with less time on their hands, invest in tanning lotions or sun lamps, or visit tanning salons.Medical associations warn against tanning, as overexposure to the sun’s ultraviolet rays causes premature aging. Ultraviolet rays also play a significant role in the development of skin cancer and eye problems like cataracts. In addition, they harm the immune system. In this context, children face the greatest risk from ultraviolet rays, as their immune system is not fully developed and any damage to it can affect their natural growth process. Adults whose skin burns easily and does not tan are also at high risk.Medical practitioners recommend the use of sunscreen with an SPF of 15 or higher for protection from the ultraviolet rays of the sun. Sunscreen needs to be applied liberally before venturing out during the day. In addition, it is necessary to wear sunglasses that provide complete protection from ultraviolet rays. It is also advisable to avoid the sun when its rays are harshest, that is, between 10 am and 4 pm. Wearing hats, long trousers or skirts, and long-sleeved shirts also helps to reduce exposure to sunlight.Individuals suffering from skin or eye ailments as a result of exposure to the sun should immediately consult a medical practitioner. Furthermore, moles, scaly patches, or sores should not be ignored.To sum
growth, while another expert declares that low volume, high intensity training is the key. Other routines were so convoluted that you would spend more time contemplating the complex variations therein than actually training! This is called “analysis paralysis”.Few people are satisfied with nature’s gifts to them. Therefore, we have people with curly hair going in for hair straightening, and those with straight hair having it curled. Blondes want to become redheads, and brunettes want to become blondes. The list of changes that people want to make to their skin and hair is endless. Tanning is one change that many white-skinned individuals want.Tanning gives white skin a bronzed look that is often associated with health and vitality. In fact, many people frequent beaches just to acquire a natural tan. Others, with less time on their hands, invest in tanning lotions or sun lamps, or visit tanning salons.Medical associations warn against tanning, as overexposure to the sun’s ultraviolet rays causes premature aging. Ultraviolet rays also play a significant role in the development of skin cancer and eye problems like cataracts. In addition, they harm the immune system. In this context, children face the greatest risk from ultraviolet rays, as their immune system is not fully developed and any damage to it can affect their natural growth process. Adults whose skin burns easily and does not tan are also at high risk.Medical practitioners recommend the use of sunscreen with an SPF of 15 or higher for protection from the ultraviolet rays of the sun. Sunscreen needs to be applied liberally before venturing out during the day. In addition, it is necessary to wear sunglasses that provide complete protection from ultraviolet rays. It is also advisable to avoid the sun when its rays are harshest, that is, between 10 am and 4 pm. Wearing hats, long trousers or skirts, and long-sleeved shirts also helps to reduce exposure to sunlight.Individuals suffering from skin or eye ailments as a result of exposure to the sun should immediately consult a medical practitioner. Furthermore, moles, scaly patches, or sores should not be ignored.To sum
What became apparent, however, was that despite all of the conflicting information, the most effective programs typically share common elements and principles. Rather than focusing on the different theories, it will serve you better to look at the big picture: the fundamentals. The intention of this article is to present the most effective tr
Financial Planning for Your Life
The purpose of financial planning is to enhance your life. Money is not the end goal. Money is the merely tool of measurement and method of payment for many of life's best achievements. Owning your own home, paying for your child's college tuition, taking your spouse on a romantic getaway - these are some of the objectives that you're really after when you set out to plan your financial future.By focusing on your real life goals instead of always looking at the dollars and cents of your planning, you can make your financial plan a joy. This positive attitude focused on the end results you want to achieve will also help refine your financial planning efforts. Your plan will end up being much more appropriate and effective for you and your family by thinking about what you really want instead of some arbitrary amount of money that you think should meet your needs.Focus on your life and all the enjoyable things you want to accomplish through your wise financial planning. Don't obsess over how much money you have now and how much you think you'll need by a certain date. This will help you avoid the common pitfall of believing in scarcity and lack. There's more than enough to go around for everyone. Economics is not a zero-sum game; if you end up with a million dollars in your bank account that does not mean some else has to do without. Money is fluid and loves to grow wherever it is well managed; but it is the things you do with your money that ultimately matters, not the money itself.
n actually training! This is called “analysis paralysis”.The purpose of financial planning is to enhance your life. Money is not the end goal. Money is the merely tool of measurement and method of payment for many of life's best achievements. Owning your own home, paying for your child's college tuition, taking your spouse on a romantic getaway - these are some of the objectives that you're really after when you set out to plan your financial future.By focusing on your real life goals instead of always looking at the dollars and cents of your planning, you can make your financial plan a joy. This positive attitude focused on the end results you want to achieve will also help refine your financial planning efforts. Your plan will end up being much more appropriate and effective for you and your family by thinking about what you really want instead of some arbitrary amount of money that you think should meet your needs.Focus on your life and all the enjoyable things you want to accomplish through your wise financial planning. Don't obsess over how much money you have now and how much you think you'll need by a certain date. This will help you avoid the common pitfall of believing in scarcity and lack. There's more than enough to go around for everyone. Economics is not a zero-sum game; if you end up with a million dollars in your bank account that does not mean some else has to do without. Money is fluid and loves to grow wherever it is well managed; but it is the things you do with your money that ultimately matters, not the money itself.
What became apparent, however, was that despite all of the conflicting information, the most effective programs typically share common elements and principles. Rather than focusing on the different theories, it will serve you better to look at the big picture: the fundamentals. The intention of this article is to present the most effective tr
Variable Versus Fixed Rate Credit Cards
One of the first things you should always look out for in a credit card is the low APR and the low annual fees. Now, it is evident that you can’t have the best of both worlds thus you’ll just have to do with a balance between the two. You can either pay high annual fees year in and year out but save up on interest rates, or you can save on the fees but risk being charged a higher interest. Apparently, the best way out of this is just to clear your outstanding balances each month. However, many of us are not masters of our finances. Lucky for us though, there exists another way to get around the system and that is to obtain cards with variable rates.Unlike fixed rate credit cards, variable rate credit cards impose APR that fluctuate according to indices such as the Prime rate. The prime rate is dependent on the amount of money that can be borrowed by banks in the United States from the Federal Reserve. Cuts made to these reserves will bring down the rate and thereby affecting the interest rate they charge upon your card. However, great care is taken against the rates falling too low and making the company suffer major losses. Thus, there is usually a floor-rate implemented on these cards. Unfortunately, when prime rates escalate, there are no ceiling-rates to protect card users. Customers have to literally go with the flow if they decide on variable rate credit cards.On the other hand, it should not be assumed that a fixed rate card will impose APRs that will never change. The term ‘fixed rate’ here would be better explained as a rate that is stable for a longer period of time as compared to variable rate cards. Companies can merely issue you a 30-day notice in writing and your APR can suddenly jump a percentage or two, with or without your consent. One such example is the introductory low APR promotions that companies use to enlist new credit card users. After 6 to 12 months of 0% APR
ts and principles. Rather than focusing on the different theories, it will serve you better to look at the big picture: the fundamentals. The intention of this article is to present the most effective training principles in a simple and clear fashion. If you design your next program based on these basic concepts, you will get results. When it comes to training for size and strength, this is “What Really Works”:One of the first things you should always look out for in a credit card is the low APR and the low annual fees. Now, it is evident that you can’t have the best of both worlds thus you’ll just have to do with a balance between the two. You can either pay high annual fees year in and year out but save up on interest rates, or you can save on the fees but risk being charged a higher interest. Apparently, the best way out of this is just to clear your outstanding balances each month. However, many of us are not masters of our finances. Lucky for us though, there exists another way to get around the system and that is to obtain cards with variable rates.Unlike fixed rate credit cards, variable rate credit cards impose APR that fluctuate according to indices such as the Prime rate. The prime rate is dependent on the amount of money that can be borrowed by banks in the United States from the Federal Reserve. Cuts made to these reserves will bring down the rate and thereby affecting the interest rate they charge upon your card. However, great care is taken against the rates falling too low and making the company suffer major losses. Thus, there is usually a floor-rate implemented on these cards. Unfortunately, when prime rates escalate, there are no ceiling-rates to protect card users. Customers have to literally go with the flow if they decide on variable rate credit cards.On the other hand, it should not be assumed that a fixed rate card will impose APRs that will never change. The term ‘fixed rate’ here would be better explained as a rate that is stable for a longer period of time as compared to variable rate cards. Companies can merely issue you a 30-day notice in writing and your APR can suddenly jump a percentage or two, with or without your consent. One such example is the introductory low APR promotions that companies use to enlist new credit card users. After 6 to 12 months of 0% APR
1. Use Progressive Overload:
This is the most basic and one of the most important principles. Muscles grow bigger and stronger as they adapt to stress. Therefore, you need to progressively overload your muscles each week either by lifting moderately more weight, exerting more force, or performing more repetitions with the same weight. This is why it is so important to record your progress and write down your training goals.
2. Use compound, multi-joint, free weight exercises:
Basic, big pushing and pulling movements such as variations of the deadlift, squat, lunge, power clean,
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