Archive for July, 2006
Exercise Can Make You Wealthy
Posted by: | CommentsIn this article, which is the last of a three-part series, we will explore the financial aspect of fitness.
About 80-90% of my adult clients know that exercise is beneficial to the body, but do not want to spend their time “fooling” with it. They feel their day will be more productive and they will be much happier if less time is devoted to exercise. “Why spend an hour of my day doing something I hate?” they ask.
What I spend the next several weeks showing them is just how exercising will result in more productivity by giving them more energy. I show them how exercise will make them healthier, happier and yes, improve their finances… and in less than 30 minutes a day.
My program is based on a full-body routine that uses the butt to stimulate the brain for improved energy, body mechanics, weight loss and productivity. Clients demonstrate and report a new vigor for life.
Because the program is movement efficient, it can be done in a small space and in a short amount of time with little to no equipment.
Combination movements such as lunge with press, squat to row and single leg hip rotations combine strength, flexibility and balance while including a cardio component for improved circulation and endorphin release. These routines can be done in less than 10 minutes depending on your pace and on resistance used.
The routines are ideal for busy entrepreneurs, busy parents and/or stay-at-home parents. Basically, this routine is for anyone who feels overwhelmed and does not have time to exercise.
So, you can see the benefits to your health and how convenient the routine can be…so, how will it help someone financially?
First, this exercise will help you gain confidence because of how you feel, perceive yourself, and ultimately how you look. This, in turn, can help you approach your current occupation differently, i.e. new ideas and changes in daily performance can lead to increased output. This can all mean raises and/or promotions.
Harv Ecker in his book Secrets of the Millionaire Mind (www.millionairemind.com) discusses creating your own circumstances at work. He recommends speaking to your superior and developing a situation in which you can be paid based on your results.
Energy and productivity improvements can help someone in this situation to achieve better results. As you continue to produce good results, then your chances to make more money will obviously improve.
How about if you work for yourself? Then you can appreciate the need for being efficient and productive on a daily basis.
The benefits of creativity and thinking more clearly due to exercise could have profound effects on your bottom line or bottom dollar (pun intended).
Internet marketers are always looking for new and creative ideas and ways to get information across to potential or current clients. Actually, they are usually the first to report lack of time and issues with a big internet butt. Taking 7-10 minutes once or twice a day could have a huge impact on their internet relationships and sales.
If you are more excited and energetic about your work, then wouldn’t you want to learn more about your area of expertise, so you could be that much better? Personally, I tend to want to gather as much information as possible when I am excited about a topic or area of interest.
Learning more information and thus, becoming more of an expert on a particular topic can only improve the possibility of being more successful in that given area.
Robert Allen and Mark Victor Hansen in their book One Minute Millionaire, (www.oneminutemillionaire.com) talk about doing something you love or are passionate about and by doing so you will figure out ways to make money doing it.
Alex Mandossian, (www.teleseminarsecrets.com) continually instructs his students to ask themselves and those around them “What am I good at?” In other words, do what you are good at and passionate about.
Exercise can help you become more passionate and excited about learning by improving that energy and productivity.
I am always stressing to clients how they need to change their “script” when it comes to fitness and exercise. I tell them if they change beliefs they can change their appearance. Harv Ecker would call it changing their roots to get better fruit.
Exercise is improving this “inner you” way before it changes the “outer you.” The biggest benefit to my exercise program is changing the way you feel both mentally and physically. This can have a dramatic effect on whatever results you are looking for in life… mentally, physically and/or financially.
How many times have we seen the changes in a co-worker who has become more fit? He/she gets comments, attention, and more than likely a raise or promotion. Why?
The first answer would be because that individual has come out of his/her shell, looks and feels better, and now the boss has seen the change and decides to reward it.
If we are honest about it though, we will see that this “achiever” changed his/her “inner self.” That person now has more energy, confidence, creativity, gets more done each day and ultimately, deserves to be rewarded.
Reward yourself… mentally, physically and financially.
Begin an exercise program. It may be as simple as 7-10 full-body exercises once to twice a day, a 15-minute walk during your low energy point of the day or a routine you do every day that gives you the confidence you deserve.
Start today! Your mind, body and bank account will thank you.
“If you’re proactive, you don’t have to wait for circumstances or other people to create perspective expanding experiences. You can consciously create your own.” -Stephen Covey
Copyright 2006 John Perry
About The Author
John B. Perry, P.T., C.S.C.S. is a fitness and biomechanics enhancement expert. He has a fitness newsletter website, writes e-books and articles, produces fitness videos and performs seminars and teleseminars on Health, Wealth and Fitness.
Want to learn how to improve your finances by adding exercise to your daily routine?
Go to http://www.hiptobefit.com
No Annual Fee Credit Card
Posted by: | CommentsMost new credit cards come with a no annual fee offer. This hasn’t always been the case. I wonder if issuers realized how much people resented the yearly fee they were charging just to use their credit card?
Now that they gradually eliminated the annual fees, they’ve advanced the ‘no annual fee credit card’ into a marketing incentive. But that doesn’t mean there are no fees at all. That is why you need to read the entire offer before signing for a new credit card.
If you don’t pay the entire balance each month, you must pay a service charge on the unpaid balance. Then if you go over your credit card limit, you must pay an additional fee, perhaps in the $35 range. In addition, if you’re late making any payment, not only are you charged a service charge and maybe an over-limit charge, you’re assessed a late fee as well. These added fees more than make up for the annual fee that has been discontinued for most cards.
When applying for a new credit card, it’s imperative that you plan on and handle your spending and bill paying responsibly. In addition to the added fees, missteps with a credit card can cost you dearly in other ways as well. It can be reflected on your credit report which in turn effects many aspects of your life from a job application, home loan, purchase of a new car, to the interest rate you’re charged on new credit purchases. An unfavorable mark on your credit report can even have an effect when applying for insurance.
No annual fee credit cards are offered by most banks and financial institutions. Once you’ve found a credit card offer that doesn’t charge a yearly fee, you can then look at the additional features of each offer.
No interest for an introductory time can enable you to consolidate debts interest free. Rewards programs for many credit cards include cash back, air miles, and numerous goodies too many to mention. Whatever your current financial situation or outlook, there’s a credit card offer that will fit your needs.
About The Author
Bradley Carson is an internet marketer and is owner of Apply Online For A Credit Card at http://www.cards-king.com.
Setting up a Home Career
Posted by: | CommentsMoving into a home based career can be both a challenging and rewarding experience. There are a few items worth covering on this subject, and a few things you need to prepare for when setting up your home career.
Before you even begin to draft your business plan, make sure your desired career can in fact operate from your home! Be sure to check your existing zoning laws to see if your home based business is acceptable.
The biggest advantage to having a home based career is the obvious transportation savings and the close proximity to your family. However when setting up your operation, there are a number of other costs that you should allow for. If you are going to maintain a full career from your home then you will need essential office space and supplies. You need to make sure you can actually run your business from your home; do you have a spare bedroom or finished basement where an office can be constructed? You will also need basic office equipment such as a computer with Internet connection, phone, fax lines, a desk and file cabinet.
Also, keep in mind when setting up a home based career, whatever you are selling, you are in a residential setting. Is this helpful or a hindrance for your business?
There are many more things to consider when setting up your home career; though remember as with any type of business, the success or failure of your home career largely depends on your diligence and effort.
His And Her Finances
Posted by: | CommentsIt’s difficult to learn how to manage finances together when you’ve been managing your finances on you own, for better or worse, up until now. But when you become part of a couple, many things change, and your finances are no exception! Some couples take the traditional path of blending all their finances together, however more and more couples are deciding to keep their finances separate. .
What are the benefits of each option? The benefits of consolidating funds into one checking account includes easier record keeping, simplified money management (ideally), and less paperwork when applying for a loan. In addition, the blending of finances can create a “unified front” in that aspect of a relationship that simply can’t be argued with. Obviously, the drawbacks are that both people are actively using the account and that will make it harder to track transactions and monitor your balance when you don’t know what the other is doing.
On the other hand, maintaining separate accounts will allow each person in the relationship more freedom, because they won’t have to run purchases by the other person. In addition, doing so may create fewer complications in the relationship, allow each person to build their own good credit, and quite simply allow them to maintain a sense of independence. The most obvious downfall to a his and her finance arrangement is that it can be disproportionately unfair. If one person makes $60,000 per year, and the other $30,000, the person making the lower salary may not like the arrangement!
If you do decide to keep “his and her” checking or savings accounts, then you’ll need to find a system for paying house bills and handling other joint finances together. One option that has worked great for many couples is to create a third joint checking account and designate it as the “house” fund. You can set up your separate, individual checking accounts to have money automatically withdrawn from them each month at most financial institutions. You will have to sit down together and decide what amount needs to be in the joint account every month in order to cover the “combined” expenses. In a situation like the above—where one person makes significantly more than the other—it is usual for the higher wage earner to pay a larger portion of the expenses.
Another aspect to consider with his and her finances is credit. This can be considerably beneficial or problematic, depending on your individual credit ratings. However, at some point you may want to apply for joint credit with your spouse. You will most likely want to make big purchases together throughout the marriage such as a car, a house, or appliances, and it’s much easier to do that if you have joint credit. With joint credit, you will both be 100% responsible for the debt, even if you co-sign a loan with your spouse or add your name to your spouse’s credit card account. On the other hand, if you decide to maintain separate credit, the general rule is that you are not responsible for each other’s debt. (The exception to this is if the debt is considered a family expense.)
If one person had bad credit prior to getting married, then the person with good credit may want to keep their credit separate. Why? Because if you apply for credit together, the lower credit score will bring down the higher one.
The best advice? Be upfront about your financial weaknesses, and discuss a plan—before the big day—to handle them. Once you have identified the potential pitfalls, it will only take a little planning to overcome them.
About The Author
Simon Harris
This article provide courtesy of http://www.debt-monster.net