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7 Myths About Diets

By
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In Health
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On December 22, 2019

Magazines, newspapers, and radio programs continually report new “revolutionary” diets, with celebrity endorsements. How can you tell which diets work? What is actually true? Which ones are false? Here are some popular myths and honest facts about dieting.

MYTH: Water Makes You Fat

FACT: The excess fat on people’s body is not made of water. If you want to remove stubborn fat with CoolSculpting NJ, you can go ahead and do it. However, do not take less water. The actual water does weigh and you may have water weight, but there are no calories. Water weight can fluctuate for a variety of reasons, but it doesn’t turn into fat.

MYTH: Fruit and fruit juices have small amount of calories.

FACT: Most fruits, when eaten in moderation, provide a small to moderate amount of calories and are a good source of fiber and vitamins. Fruit juices can provide an abundance of calories. For example, a 12-ounce can of soda may contain approximately 140 calories, whereas 12 ounces of grape juice can contain as many as 240 calories. Three to four glasses of grape juice alone can result in more calories than in three meals a day.

MYTH: Grapefruit (or any other food) has an enzyme that causes body fat to melt.

FACT: Unfortunately, there is no miracle food that causes body fat to melt, evaporate, or go away.

MYTH: Dieting along is the successful way to take weight off.

FACT: Dieting alone is as effective as trying to clap with one hand. Approximately 97 percent of the people who go on diets gain their weight back. Along with changing your eating habits permanently, you must exercise. An aerobic exercise (jogging, swimming, race walking, bike riding, jumping rope), four times a week for at least 20 minutes will increase your basal metabolic rate (the rate at which your body uses energy for vital body functions like breathing, sleeping, etc.) overall. Exercise will use stored fat to maintain endurance for your aerobic exercise. And exercise tones loose skin and muscles.

MYTH: Eliminating salt helps reduce body fat.

FACT: Sodium, a component of salt, is closely related to your body’s fluid balance system. At times, when there is an imbalance your body will retain extra fluid, increasing your weight. Several factors may influence your fluid balance system. If you think you are retaining water, consult your physician. It is not related to losing body fat.

MYTH: Starchy foods like bread and rice should be eliminated on your diet because they are fattening.

FACT: Starchy foods are not fattening. Generally, what we add to your starchy food adds the excess calories. For example, a half cup of rice is 70 calories. Add two tablespoons of gravy, and we’ve added as much as 200 calories on rice. Butter on bread and popcorn will net the same result. Starchy foods are needed in the diet because they supply most of the energy the body needs; they supply B vitamins and can be an excellent source of fiber. Eliminating starches can lead to an unhealthy diet.

MYTH: If you are thin in appearance you are definitely not obese.

FACT: Obesity is determined by the amount of body fat you carry and is compared to your lean body mass. A person can weight 125 pounds and 40 of those pounds could be fat. This person may be thin appearance, but could be considered obese. If you are curious to find out your percentage of body fat, consult your physician or your dietitian. This is important to know if you have a history of chronic illnesses such as diabetes or coronary heart disease.

Top House Flipping Tips

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On December 4, 2019

House flipping is when a real estate investor buys a home and resell it for a hefty profit. These investors usually buy these houses at auction as that is a great way to buy these houses at the lowest price. Simply put, you just have found a cheap home for sale, put some money and effort into fixing it up and then resell it for a huge profit.  Pretty easy right?

There are a few upside and downsides of this as well. You can earn a hefty profit from a small investment as well but a single step can lead you to a grave loss of money as well. This is why it is really important that you take every step carefully and with a lot of thought.

To get into this business you need to have a great amount of credibility among your connections as well. Also, a huge amount of cash is really important as well. Moreover, before you buy any house you should consider the following factors as well:

  • Great location
  • Prime condition
  • Right renovations
  • Market value

Here is the list of tips and suggestions that you remember before you start flipping houses:

  • Learn your market

This is the first step in the process. You should learn about your local market. What people are interested in buying and what is the amount they are comfortable in spending with.

  • Understand your finance options

Learn about all your finance options. You should consider all the pros and cons of a housing loan as well. Just make sure whatever you decide is best for you.

  • Learn to negotiate

The less you pay for the house the more you get. So you should always negotiate about the price when buying any house. Good negotiation skills will even help you with contractors as well.

  • Learn about average project cost

As every project is really different and it is really difficult to decide what the expenses will be beforehand. But, with some experience, you will be able to decide a rough estimate of what the project would cost just by looking at it. This way you can a better offer to the owner before buying the house.

  • Connect with potential buyers

Connecting with a potential buyer is also really important. Do whatever you can to build a relationship with your potential buyers. You can connect with them through emails, newsletters and text messages. You should even consider getting yourself a realtor’s license. This way you can eliminate the need for mediators and save yourself some money as well.

  • Research listings and foreclosures

You can look for listings through online websites and newspaper articles. You can look for foreclosure listing in newspapers and thereafter registering yourself for the auctions. Or you can check out Ola EC for a number of potential buying units.

  • Make an offer

Once you find yourself a home you need to make sure that you place your offer. You might face some competition if a good house is on sale at a low price. You should try to seal the deal as soon as possible. This way you can pass through all the competition and unnecessary hassle.

  • Relist and sell

You should relist the house on the website and on the internet as soon as you get all the necessary upgrades completed. You should not wait for any opportunity as the market is quite dicey and the prices can go high or low at any point of time.

Life insurance has been used for over 150 years to build wealth. It has been the source of funds for such famous families as the Carnage’s and the Rockefeller’s. Why has this method been forgotten? The truth is hasn’t.

The New York Stock Exchange

The New York Stock Exchange has been around since 1817, at least in its more common form. The stock exchange did not produce mass volumes, however, until the early 1900’s where it produced gains a total volume over 6 times what it had in the past. For this reason, the New York Stock Exchange became the primary source for building wealth in the United States. After all, you would have to be a fool not to invest as you simply could not loose.

This story sounds familiar. Even though huge gains will always be possible with any traded stock, there is room in everyone’s portfolio for guaranteed cash value. There are even ways you can retire almost solely on life insurance.

Life Insurance Cash Value

Some life insurance policies gain cash value. These are permanent policies. They never expire, as long as you continue to pay your premiums you will have life insurance coverage. You will also be gaining a certain amount cash value. If you keep the policy for most of your life, you can have a significant amount of money in the policy. For the average person, here is a good way to buy permanent life insurance that can act as a huge part of your retirement program.

Age 18 for your high school graduation present, instead of a bunch of cheesy presents, ask for a small permanent life insurance policy. A $25,000 policy costs around $30 a month for a quality participating policy with a waiver of premium. Below are some definitions:

Participating Policy a policy that pays its policy holders’ dividends based on profits that are left over at the end of the year. Only mutual insurance companies pay dividends. The most common are Northwestern Mutual and Mass Mutual. There are other companies that offer a dividend that are publicly held.

Waiver of Premium

This is a clause in an insurance policy that allows a person to keep their coverage with no obligation to pay another premium if they become disabled. This clause should be on every policy.

At the age of 20, you should by another small policy. This will cost around $50 a month for a $25,000 policy. By now the policy you originally bought has a few hundred dollars’ worth of cash value and your death benefit has also increased.

Age 23 At this point, you have graduated college and have probably worked a steady job for a few years. This is a perfect time to buy another small policy. By now you have a few thousand dollars in you policies and your death benefit is somewhere around $100,000. Also, you miss the premium increase at age 25. The cost is going to remain around $50 a month.

Age 27 You probably have a family by now or have a significant other. It is time to buy a large policy that will cover you. You have around $130,000 worth of life insurance by now, probably a $100,000 through work. Another $100,000 policy would be more than enough to provide a sizable death benefit if something happens to you. It also will yield a sizable cash amount later in life. It will be expensive, around $100 a month.

Age 65 You have worked hard and are ready to retire. You probably have a 401K that you have built and are ready to roll it over into an IRA account. You will start to use the funds you have built up in your 401K for retirement. You will collect social security at 66 1/2 that will add even more monthly income. You don’t have to pay your life insurance premiums anymore because you chose to purchase insurance where you stop paying premiums at 65 but still get paid the dividends. By now, there are several hundred thousand dollars in coverage and several hundred thousand dollars in death benefit. You can use it now and take a payment that will last a lifetime, or you can wait until you are 70 or older and take a larger payment for life. The choice is up to you.

This is just one way that things could play out. But this is how you can stage buying life insurance to not only cover your family in case of death, but to cover your retirement in case the stock market can’t support the load. There are vast variations of permanent life insurance. Talk to your insurance agent to see what is right for you. You can choose from a wide variety of insurance policies and decide for yourself what are the best life insurance plans for you and your family.

Term life insurance is the simplest form of life insurance because it is strictly defined as a death benefit. Unlike whole life insurance, there is no investment component to worry about, and the policy only lasts as long as the time period for which it was purchased.

You can buy a term life insurance policy for any length of time, whether one year or 40 years, and it is the least expensive option. It is extremely popular among young professionals who don’t want to worry about managing an investment portfolio but want some security.

When you purchase term life insurance, you are usually given a monthly premium that does not change over the life of the policy, according to Investopedia. You decide the term for which you want the policy to be active, and you decide how much insurance to purchase.

The amount of insurance you buy with a term life policy is the amount that is paid out in death benefits. There is no accumulation of funds as you would see with a whole or universal life policy because there is no investment component to manage. If the insured person passes away before the term expires, his or her beneficiaries receive the value of the policy.

If a term life insurance policy expires before the named insured dies, he or she can decide to renew the policy or retire it. Renewals generally mean a re-negotiation of terms, which means you won’t necessarily get the same premium rates you had before. However, you can keep the policy active that way.

Term life insurance is not an investment. There are no rates of return to consider, no funds to evaluate, and many people feel that it is a waste of money because it does not benefit the insured or the beneficiary beyond the life of the policy. With whole life, you can use the accumulated wealth to help supplement your retirement or for any other purpose.

However, the cost discrepancy is considerable, and many people cannot afford whole life policies. Term life insurance is a more manageable expense that will provide for one’s family after his or her death. This is the reason this option is so popular.

The general rule of thumb is to buy sufficient term life insurance to cover your dependents as long as they are living with you or to cover your family until you begin to receive retirement income. In other words, you might consider buying a term life policy that will last until you turn 65, or whatever age you intend to retire.

Remember, however, that premiums increase as you tack more years on the term. Insurance companies assume that you are less likely to die in one year than in 20, for example, so they’re going to charge you more for the additional risk.

The best way to buy term life insurance or life insurance for family is to consult with a financial adviser first. They are skilled at identifying deficiencies in your financial situation and helping you structure life insurance policies to fill your needs.

Most people don’t understand the difference between permanent and term life insurance. Term life insurance is playing a role in the fund-raising of Primerica that is a subsidiary of Citi. It is interesting to me to see “term life insurance” in any phrase that includes raising money.

The periodical “Seeking Alpha” has posted an article titled “Citi’s Life Insurance Unit Primerica Files for IPO.” The original offering is targeted at $100 million but as the reference article suggests, it will probably be higher because of the sales ($2 billion) sold over the last 12 months.

The company was founded in 1977 as A.L. Williams.

A.L. Williams has a running feud ongoing with past agents due to a disagreement about training and training fees.

I was  life insurance agent back in the 1970s.

First, the difference between term and permanent life insurance is that term simply provides a death benefit. Permanent life insurance on the other hand creates a cash value buildup.

In those days the most popular permanent was called “whole life” so named because it was designed to be in force to age 100-years-old.

The idea is that the “term element” of the product stays in force long enough for the insured to create cash for burial costs.

Term life insurance on the other hand is designed to cover a person for a specific period of time. It may be until retirement, paying off a mortgage or other debt.

A.L. Williams’ agents were sellers of term coverage. Most of us with other firms were taught to sell permanent life insurance.

The standard way of “prospecting” or finding customers, was to ask people you had sold to “refer” you to friends and family. You had to be careful because you could not give money or “rebate.” It was against state law.

A.L. Williams were incredibly courageous. They might start in an office building and go door-to-door.

Over time the life insurance agent has gone by the wayside. It was too expensive for life insurance companies to market through an agency force and things came up like lawsuits.

Marketing was handled by direct mail.

It is good to see some re-occurrence of the term life agent. Not only does it create work, it gives much needed direction to consumers about a sophisticated product. You should also be aware of the difference between a term insurance and a life insurace so that you can choose what out there is best suited for you.

Life is uncertain but death is. No one will ever know what the future will bring. Financial planning is essential to get through. This is especially important if you have dependents. So, while young and healthy invest in a life insurance.

To get a life insurance is easy. You just need to speak with an expert and let them lay out the policy. It is a good investment for the future. Life insurance is also a means of protecting your dependent’s financial future.

You may wonder why you need to get a life insurance policy. Here are 5 reason why life insurance is a must for most of us.

·        Life Insurance Helps in Planning for Retirement

Planning for your retirement is serious. Investing in life insurance is one way for you to enjoy your retirement days. If you invest early on life insurance, you will have more cash pay-outs that you can use when you retire.

There are insurance policies that have retirement plans that you can benefit from. Some of these are tailored-fit t make sure that the coverage is wide. Seek some insurance expert’s advice on which way to go.

·        Financial Safety Net

If you have dependents, the one thing to protect them from financial woes in the future is to get a good life insurance policy. Getting a life insurance will keep them financially safe when you are gone. The pay-out from your life insurance will help your dependents get through life. Again, start investing early.

·        Long-term Investment

A life insurance is an investment for your future dreams. You may be dreaming of getting a house for your family. If you invest on a life insurance policy, you can use the accumulated cash amount to purchase your dream house in the future.

·        Life Insurance as Savings

Consider a life insurance policy as your personal savings. Maybe when someone presents to you a life insurance policy, you might as yourself, should I get life insurance? The answer is always yes. Start young and save more with your investment to a life insurance.

There are insurance policies that will allow you to borrow some money at any pint in time that you need it. You also save money for your family’s future. It is always a win-win if you invest in a good insurance policy.

·        It Gives You Peace of Mind

Once you invest in a life insurance policy, you know that your family is safe. Your family’s financial needs will be covered by the insurance policy that you invest in. This is reason enough to give you complete peace of mind.

Things in life are uncertain. Do not let yourself worry too much when the time comes. Always remember to invest early while you are young and healthy. Aside from gaining more savings, you will get a cheaper deal from insurers.

Final Word

A life insurance policy is a must. When you have a family to care for, might as well invest in one. Choose a policy that has a wide coverage. You can even include health insurance coverages in your policy.

It is better to be prepared than panic in the end. Life insurance will always give you the peace of mind knowing that your family’s financial situation will be cared for.

Deaths are inevitable, and everyone tends to think about the end. Assuming that we will leave everyone behind is the second thought that comes in mind, but the first one is thinking about the dependents. One member of the family is always there on which other members are dependent partially or fully for their needs. This is the phase when life insurance gets into play. Life insurance is a great way to take care of your dependents, even in your absence. It is unpleasant to think about all this, but it is essential to consider. Life insurance is a kind of agreement where the insurance company agrees to pay a specified amount after the death of a person who had done the insurance. The life insurance policies give assurance to the insured person that they will provide financial protection to their family.

There is a wide variety of life insurance that you can choose according to your financial condition and needs. It is better to invest in life insurance that offers the best benefits at the lowest cost. Many people are confused about life assurance vs life insurance, and the fundamental difference between them is that life assurance provides you coverage for your whole life. In contrast, life insurance offers you coverage for a limited period. Life insurance is usually bought to provide benefits to your family after you die, but there are some cases in which you can get benefitted from the insurance policy while you are alive.

Cases in which you are allowed to avail the benefits of life insurance while you are alive

Long term illness

Long term severe illnesses, better known as chronic diseases or terminal illness, is a condition in which the policyholder is allowed to avail of the benefits of the life insurance policy while he is alive. But before allowing you to avail of the death benefits being alive, the insurance company first ensures that you are suffering from real illness. You must get the illness or disease certified from the doctors who will confirm that the policyholder is suffering from a chronic disease, and he is unable to do minimum two of the regular day-to-day activities such as eating, bathing without any additional support.

Terminal illness

It is such an illness in which the person is expected to die after a certain period. In such a situation, a doctor ensures after a medical examination that the insured person will be dead within the next two years.

Tapping into the cash value of the policy

There are two significant types of insurance policies; term life insurance and permanent life insurance. Term life insurance is the best option for people who cannot afford to buy expensive insurance policies as it is quite affordable but only offer a claim if the insured dies while the policy is active. Permanent life is more costly but offers many more benefits, such as investment aspects, cash value, etc. Permanent life insurance allows you to build a good cash value of your policy, which you can withdraw anytime and use it for any purpose.

Sell the policy

It is another way to get profits from your life insurance policy while you are alive. You can sell your insurance policy and get a payment worth in return. The payment may be made in a lump sum amount or can also be offered in small regular payments. There are various investors who are willing to purchase your insurance policy at a higher amount than its cash value, but you will get a lower amount than the real value of your policy.

As brands recognize the importance of instituting social monitoring for negative feedback, they should keep in mind that focusing only on the negative will bring limited returns. Instead, embrace the opportunity to take information and apply it to broader strategy.

Ok, let’s talk about a slight perception shift here about what you think of that call and response, and what you’ve probably been told about why your brand needs social media monitoring.

Social monitoring is crucial for reputation management but goes much further than that in its functionality and opportunity. Article after article touts the purpose of monitoring as a means specific to responding to negative commentary about a brand on social media. In essence, it’s a mini-crisis communications device. Brands need to consider that outside of their own platforms, conversations and mentions that are happening can lead to trending insights and inform new messaging directions.

A recent eMarketer article discussed how “monitoring tools help companies track and follow up on what consumers are saying on social”, yet it overwhelmingly focused on how monitoring can be used for identifying and responding to negative consumer sentiment. Not to discount the important aspect of monitoring, the article noted:

In February, American Express found that 46% of US internet users it surveyed had turned to companies’ social media sites to vent their frustrations about poor experiences.

Knowing what is being said about your brand and the marketplace you inhabit is critical not just for knowing the negative, but also for message development, ongoing feedback, and prospect targeting.

When you really dig into monitoring content and conversations around your brand all across the web, you can tap into a new kind of data resource; your customers’ direct thoughts and opinions. With the right tools, it’s possible to capture and analyze data from websites and social media channels to monitor your brand, identify key communities/influencers, address customer service issues, conduct unbiased research for the strategic formulation, and identify trends and conversational topics.

No doubt, the thought of covering every inch of where these conversations could happen is quite daunting. As the press for a time becomes an increasing factor in managing and monitoring brand accounts and pages on numerous social networks, it can be hard to keep up. Also, along with having monitoring simply set up and evaluated, it only makes sense to have a plan of how you will respond to feedback, take advantage of rising trends, and incorporate opportunities into existing plans.

The eMarketer article noted, “according to Satmetrix, only 49% of companies it surveyed worldwide in January 2012 tracked and followed up on customer feedback on social media, while 28% did neither”. If only half of the companies currently even track and follow up on feedback, I’d be shocked to know how many take advantage of steps beyond that.

When we work with clients to set up monitoring, evaluation and response system, one of the other things that we stress is looking beyond the tools themselves. Even with a determination of sentiment and influence level, responding to a negative or positive conversation should involve the input of a communications professional that understands the overarching messaging goals of your brand. Nothing can take the place of a personalized response, or the talent to effectively navigate the data being delivered from a monitoring tool.

What it comes down to is that as brands recognize the importance of instituting social monitoring for negative feedback, they should likewise embrace the opportunity to take the information they find and apply it to their broader strategy. Focusing only on the negative will bring limited returns. Take a holistic approach and reward your program in an integrated way that touches upon forward-thinking planning in addition to immediate responsiveness.

According to a recent study from research firm Focus B2B Marketers and B2C Marketers have many different priorities but they agree wholeheartedly on one thing.

B2B Marketing and B2C Marketing… two very distinctly different forms of marketing for sure. B2C is more product driven whereas B2B is centered more on relationships. There are of course many more differentiators but you get the idea…

As you’ll see from the chart below, B2B Marketers put more emphasis and importance on acquiring leads than their B2B Marketing counterparts. Conversely, the B2C Marketers place a higher value on understanding their audience.

But when it comes to building the all-important brand awareness… well, there they are in complete agreement.

It was a little disconcerting to see the B2B Marketers not placing as high a value on understanding their audience as their B2C brethren. I would not-so-gently remind them that Even Though It’s Called B2B, There’s Still A “C” On The Other End – a post I wrote back in May that should be must reading for ALL B2B Marketers IMHO.

In terms of what’s most important in supporting their marketing objectives, both B2B and B2C marketers both agree that content is king but they differ on what kind of content is the key with the one major difference being in the use of White Papers where B2B Marketers place a significantly higher value than do their B2C counterparts.

Are you a B2B Marketer or B2C Marketer?

If so, what are your thoughts on all this?

Do you agree?

Disagree?

Would you place a higher/lesser value on anything than what is highlighted in these charts?

The last few decades have seen a vast expansion in the leasing business. A large variety of debt related products have been introduced and the customers can select these as per their choice. However, these loans carry a varying rate of interest which makes it difficult to clear these loans.

You have to get the assistance of a professional for solving your financial matters and Snap-on Credit Corporation remains a top choice in this aspect.

Snap-on Credit Corporation

This is a versatile, national company with its branches all across the USA. The company handles all kinds of debt related issues and their team of experts is always there to help you settle your outstanding debts. The company is proud of its excellent history and exceptional customer care services.

Services Offered By Snap-on Credit Corporation

The Snap-on Credit Corporation deals in all kind of loans. A few of the salient products of the company are discussed below:-

1. Credit Cards

Credit cards are the gateway to shopping freedom and are a great source of convenience but they are accompanied by a heavy rate of interest. Hence, it becomes quite difficult to pay back the loans and the interest keeps on increasing. At times it surpasses the original loan amount too. The Snap-on Credit Corporation helps you manage your credit card loans without paying any penalties. The company offers necessary counseling and offers the features of debt negotiations for the clients.

2. Collection Agencies

The leasing companies often seek the help of collection agencies to get dues from the clients. This may become a source of irritation for the clients due to the indifferent attitude of such collection companies.

Snap-on Credit Corporation provides necessary guidance to manage the collector calls. It also educates you on handling them in a smart manner.

3. Medical Bills

Medical treatment has become expensive and people have to get loans to clear the bills or apply for medical insurance. Snap-on Credit Corporation also deals with the hospital bills and assist them in settling these with minimum trouble.

4. Dental Expenditure

Dental treatment may become a cause of obtaining a high-interest loan which is difficult to settle. The Snap-on Credit Corporation provides its expert services in settlement of such kinds of outstanding bills. The company gets into negotiations with the lending and credit companies to lower the rate of interest.

Company Contact
The company can be contacted at the following address:-

1125 Tri-State Parkway, # 700
Gurnee, IL 60031

Phone: 1-847-855-2962

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