Gen Wright


of shape do you think you will be in when it comes time for you to retire?

How you fare will depend on the choices you have made for your health and fitness over the years and decades. No matter how far away retirement is you should have concern for what life might look like after you finish your working life. It is something you should be preparing for it rather than leaving it up to chance as if you are robbed of your health and mobility at this time, retirement will not be much fun at all.

Pay attention: Your body’s decline has already begun. Once we get past our early twenties, our bodies start a degenerative process which is long and gradual. The body you once knew starts to behave differently than when you were 20 years old. Along with changing its shape, (for the worse), it doesn’t respond as fast to physical exertion as it once did and if too much food is eaten it reacts by piling on body fat

Along with these physical changes one of the most important adverse effects of this degenerative process is the loss of muscle mass which decreases at the rate of approximately 500 grams per year after age thirty. Then this loss accelerates to a frightening pace after age sixty. That is unless you take steps to halt this process by protecting your strength and preserving your muscle mass. Until recently these changes were thought of as an uncontrollable effect of the aging process.

Through research we now know that this is not correct, it has been proven over and over again, these changes are an effect of inactivity, sedentary lifestyles or simply disuse.

Some people unwisely decrease their activity as they age, assuming it’s proper to start “taking it easy” or “grow old gracefully”. The price for this is they grow old ungracefully, with substantial limits on their mobility, self-reliance, and quality of life.

The body doesn’t know how old it is, but it does know when insufficient activity and movement is taking place. The response to this is an accelerated aging process hastening loss of functional health and mobility and further pushing people into an unhealthy and even more inactive lifestyle. This vicious cycle continues with increased risk of life threatening diseases associated with a sedentary lifestyle such as cancer, diabetes and heart disease

So really it starts now, take heart, you can slow this process down and even reverse it. You can control the rate at which you age by taking the necessary steps to build and maintain muscle mass and prevent further muscle loss to slow the aging process. A higher level of strength and energy is largely in each of our hands with active strength training exercise which no other type of exercise is capable of.

Mere movement, or “any exercise is good enough”, is not really sufficient if you truly wish to be prepared for your later years. Remember, muscles respond to strength training, whether they’re 60-year-old muscles or 20-year-old muscles. This special type of exercise enables the muscles to get stronger by subjecting them to a higher work load than they would normally encounter in everyday life. This is the simple concept behind strength training.

Strength training is such a powerful age eraser it can improve the quality of your life at any age or any physical condition you may be in. There is absolutely no reason to get weak and feeble as we age. The generations before us did not know this so we are the lucky ones as we can take advantage of new information and research to make sure our older years are full of all the activities we enjoy the most.

Get started right away on the anti aging magic of strength training, get some professional help to get started to ensure you get the maximum benefits in a safe and effective manner.

A small investment of 2-3 sessions per week will maintain your strength, mobility and independence far beyond your expectations. There isn’t another investment that could return you so much.

Klublok Chung


An estate can be referred to a property that you own before you distribute it through a will or trust. The property can be in form of real estate or your own personal property like cars, bank accounts and your household things. Estate planning involves distributing your property to your beneficiaries. The planning can be done by an individual or by the family incase of death. The main reason why there has to be planning is to make sure the family and any other benefactors get most of the wealth that you have once you die. The exercise has to be done in compliance with the federal and state tax laws.

One of the common methods through which you can arrange your wealth is by writing a will or putting a trust in place. There are people who prefer trusts because they make it easier to evade probate and the long period of time that it would take you to move your assets. When you want to plan your estate, there are some things that you should have in mind. They include:

Plan your estate: It is very important to plan especially if you have a lot of wealth to enable your family to stay well when you are gone. This plan should incorporate all financial plans that you may have.

Many elements of planning: After you have started planning your estate, you will need to write a will and then choose someone as your attorney. You may also consider having a trust in place of a will or both. At this point you will have to decide who gets what after you are gone. You will also identify the person to take care of financial planning if you are not able to.

List down all your assets: The assets that you can include are the policies that you have taken out, retirement savings, investments made and real estate. At this point, you should decide who will get the property once you are gone and who will take care of the financial matters when you are not able to. Appoint someone to make medical decisions for you once you are incapacitated.

Write a will: This is a good way to distribute your wealth and decide who will take care of your children when you die. This is crucial because it prevents any extra costs that your family may incur in trying to figure out who gets what.

Talk to your beneficiaries: The distribution of wealth can bring a lot of conflict in a family and discussing your will with them can make it easy.

 

Ruth Barringham


One thing that every writer wants to know is how to earn more money from writing. This is because being a writer can be a fickle business sometimes and so you need to have as many sources of income as possible.

You also need to use your time wisely to be able to write as much as you can and be as productive as you can. You need to use the phrase “Don’t Get It Right, Get It Written” as often as possible to get you off the starting blocks and writing as much as you can, instead of trying edit your work and be as perfect as possible as you go along. It’s so much easier to just start writing and don’t stop till you’ve finished and THEN go back and edit your work later. Remember that writing and editing and two different jobs and should never be done together.

But what you really want to know is how to earn more money from writing. And below are 10 easy ways for you increase your writing income.

1. Write more. I know it sounds obvious that writers should be writing but you’d be surprised at how many people call themselves writers yet they hardly ever write. To improve your writing, get a book of an author you like (or a writer whose style you admire) and copy their work. Just sit and copy out their writing word-for-word. This will give you a really good understanding of their writing style and how you can incorporate it into your own writing.

2. Read more. Successful writers are avid readers as well as being prolific writers. Reading improves you knowledge, exposes you to different writing styles, and can also help you to come up with great ideas for your own writing.

3. Find more freelance markets. If you want to make more money you need to sell more writing. So spend a bit of time every week surfing online and browsing through magazines looking for new writing markets. You can also sign up for regular writers ezines that contain current writing markets. Always be on the look out for new writing opportunities.

4. Submit more queries. Once you’ve found new markets you then need to make sure that you do actually get your writing published. So make a definite decision to send out at least 5 queries or short stories to different writing markets every week. And then make sure you do it, even if you have to get up early or stay up late.

5. Try different writing projects. Instead of sticking to the same kind of things you write, try branching out into something new. For instance, if you mostly write articles for women’s magazines, trying writing jokes, verse, puzzles or children’s stories and find new places to submit them.

6. Write and publish eBooks. EBooks are a great way to earn a passive income. You can write an eBook in as little as 24 hours and publish it online in only a few minutes. And because there’s no cost involved in selling eBooks you can write as many as you want for as long as you want.

7. Write and publish books. There’s nothing more wonderful for a writer than to feel the first copy of your book in your own hands. It’s so easy now to publish your own books that there’s nothing to stop you from becoming a prolific author and publish several books a year.

8. Learn new writing. There may be areas of writing that you don’t feel proficient in. Maybe you’ve never really tried writing fiction, or, like me, you want to learn copywriting or SEO writing. Choose a area of writing that you’ve never tried before but would like to learn, and then learn to do it.

9. Invest in your writing. Don’t be afraid to spend money to further your writing career. Splash out on some really fancy notebooks and expensive pens or treat yourself to a new computer. Or how about taking a seminar or a writing course or maybe there’s a book about writing that you’ve been thinking about buying. Just open your wallet and buy whatever it takes to help you write more and earn more.

10. Write more. Now you probably notice that this is the same advice in step number one. But it is so important that it needs mentioning more than once. To be a great writer you need to be great at writing and the more you write, the more natural writing will be for you and so the better a writer you’ll become. As you write more and more your words will flow onto the paper (or computer monitor) more easily and so your writing will sound more natural. Never stop writing.

The bottom line is that writers write. They always write. When a writer is not writing, they are thinking about writing. And when they’re not writing nor thinking about writing, they are reading about writing. So if you want to be a writer, be the very best you can and start writing now.

Stephen Sikes


If you have a family and have taken care of the important family insurance policies such as home, health and car insurance, there may be one you are still missing – life insurance.

If something were to happen to you, your family could end up in a very tough situation. Without the money you had been bringing in, they could lose the things you had all built together and have to struggle to survive.

Pull out a pen and paper and let’s get to work figuring out just how much life insurance you need to leave your family in a good place, were the worst to happen.

Funeral Expenses

What would the cost of funeral expenses be if you were to suddenly die? Don’t know? Well the average funeral costs somewhere in the area of $10,000. That is a lot of money to ask your family to be able to pay if something were to happen to you. This is the first expense you want to make sure will be covered by your life insurance policy.

House Payments

The next thing to think of is where your family will live if something were to happen to you. Whether you are renting or have a mortgage, the expense of keeping a roof over the family’s head is likely the biggest bill to pay every month. Do you want your family to face the threat of losing their home if something were to happen to you? If not, you need to add an appropriate amount to your life insurance policy to cover these expenses. Many who are paying a mortgage use the ‘mortgage payoff’ as the amount they will add to the policy.

Car Loans

Most families these days have at least two cars. Often one or both of these cars are being paid for through car loans. What if your family income was cut in half by you unexpectedly dying? How would your family be able to pay on those loans? Would they lose the car(s)? Adding enough to pay these bills to your life insurance total will keep that from happening.

Credit Cards

There are very few families who are not using credit cards to pay for a number of their bills. If your family is one of these, you need to make sure you have left enough money behind to pay off those debts so they do not get more deeply buried beneath them.

College Funds

Want your kids to go to college? If you’re not around money will be tight. Leaving behind enough to pay for those college classes will make sure they can get higher education.

Sustaining Money

Adjusting to the death of a spouse is difficult. If you were the breadwinner in the family this is even harder. You may want to add in some extra money to pay the regular bills while your family adjusts to your being gone.

Marilyn Katz


eniors, or even middle aged people over 50, get ads for a life insurance product called final expense insurance. Since a lot of life insurance products are marketed to younger people, they may not understand why they may need a life insurance policy. However, even though seniors may have retired, they may not have outlived a good use for life insurance.

Plan For A Funeral

Seniors, or their children, may know that funerals can cost $8 – $10 thousand dollars these days! Sometimes it is hard to come up with that much cash to pay for a nice funeral. In addition, some family may need to travel. Others will certainly need to take time off of work. A body may need to be transported. It is never fun to think about a loved one passing away. But still, many people plan for this event.

A final expense life insurance policy can be a simple and affordable way to make sure that the funeral, and other expenses, can get paid for.

Sometimes seniors buy a policy for themselves, and sometimes, children or caretakers purchase the policy. If the seniors buy the policy, they set the beneficiary to the people who will be responsible for making final arrangements.

Settling Debts

If elderly people still owe money, many want to make sure that their children or grandchildren do not have a burden to worry about when they pass away. A final expense plan provides cash, so these debts can be paid off. Again, a senior may purchase a plan so the kids get cash, or the kids may own the policy on the elderly person. That way they make sure they have the money to settle debts and pay off medical bills without any problems.

Transfer Money To The Next Generation

Most of the time, proceeds from a life insurance policy are tax free. If a parent or grandparent would like to make sure that their descendants get some money when the pass away, a seniors life insurance policy can be an easy way to plan for this.

Seniors Life Insurance Is Designed For Easy Issue

You can find simplified or guaranteed issue life insurance policies. That means that most seniors, in reasonable health, can qualify for a final expense plan.

With guaranteed issue policies, nobody is turned down. The drawbacks are that rates will be higher than with simplified issue, and the death benefit may not be immediate. It usually has a waiting period of 2 – 3 years before the full benefit will be paid. If the covered person passes away before that, it usually refunds premiums, sometimes with interest.

Simplified issue plans ask some health questions, but are still written for reasonably healthy older people. The death benefit should be immediate and premiums will be less than guaranteed issue plans. If a senior does not want to answer any health questions, insurers know they are taking on a bigger risk, and so they charge accordingly.

Either way, many older people will benefit from a life insurance policy. They will have the security of knowing that they have planned for their passing.

Avy Barnes


Have you found it difficult to lose inches from your waistline fast? Well, take just a couple of minutes out of your day to read this article and learn about 3 quick methods to lose inches from your waistline, burn stubborn fat, lose stubborn pounds…and keep it all off permanently!

Never Starve Yourself

Dramatically reducing calories or even going on some type of starvation diet will not do what it is that you would like for it to do…which is to SUCCESSFULLY lose weight. In fact, you will end up regaining weight right back due to you slowing down your metabolism. You see, when you dramatically reduce calories, your metabolic system dramatically reduces due to the fact that it is trying to protect your body since it is sensing starvation. This is why it is so important for you to never dramatically reduce the amount of calories you are supposed to receive daily.

Avoid Fad Dieting

Fad dieting is not effective due to the simple fact that majority of these diets go against the first thing I mentioned above, which is dramatically reducing calories, or they will encourage you to restrict particular nutrients from your body such as fats and carbs. Yes, you actually need carbohydrates and fats in order for your body to function properly to lose inches fast.

Calorie Shifting

The best way to make inches disappear from your waistline is through a new system called calorie shifting. The great thing about calorie shifting is that you do not have to reduce calories and you do not have to restrict particular nutrients from your body. With the calorie shifting system you will be able to get the amount of calories you are supposed to get daily. The trick with this system is that you will be taught how to manipulate those calories into boosting your metabolism.

Listen, if you’re ready to lose inches from your waistline fast, then I highly recommend for you to look into a tryout the calorie shifting diet plan.

Wendy N. Lapidus-Saltz


Ok, no jokes about hypnotizing the boss to hand you a raise. This is for real.

If hypnosis can help lifetime smokers quit in one session, in shedding pounds that have held onto for years, even open the possibility for lifelong singles to attract love, might hypnosis help you bring in the income you’ve been dreaming of-even in tight times?

Could be.

Here are six ways:

1. Hypnosis can help you finish your education. If the notion that education would make you snobbish, or you didn’t have the brains for it, held you back, hypnosis can help you let go of that attitude.

If difficulties studying, memorizing, or test-taking have been the stumbling block, hypnosis may be able to teach your mind techniques that good memorizers and retainers naturally share-and alleviate undue nervousness.

Not having a degree it doesn’t have to be a barrier anymore.

2. Are you nervous at job interviews? Could improved performance in presenting yourself or networking improve chances for a better job, consider this: hypnosis can help dispel nervousness, enhance focus, and assist you in answering questions succinctly and with confidence. You’ll interview better and may land a superior-paying position.

3. If test-taking is involved in landing a promotion, hypnosis can ease nervousness, help retention, and allow you recall what you studied more easily, potentially elevating your score.

4. Hypnosis can help you improve in very-specific skill sets important to performing your job, and may enhance your chances of promotion and job retention.

If your career could be helped by changing beliefs or attitudes important to your work, hypnosis may assist substantially. A salesperson reluctant to cold-call or a hospital worker squeamish around blood would probably be great candidates for a hypnotic help.

If your career demands other skills that you are weak in, consider hypnosis as an ally in improving such things as memorization, comprehension of written materials, getting along with others, leadership ability, and most kinds of test-taking.

Presenting, public-speaking, negotiating and communicating among peers or managers can also be enhanced with hypnosis.

That small investment of time and money could pay off well in career success and salary.

5. Hypnosis, along with psychotherapy, can help you manage anger and disappointment.

6. If you grew up poor and learned to view wealth as evil, you may have held yourself back from fields that are higher paying. Are you now open to letting go of an attitude that sees wealth-as-evil? If so, hypnosis can help

If you think about it, there are many ways you can easily and pleasantly improve your life with hypnosis, careerwise and otherwise: Developing new friendships, attracting a life partner, improving in a sport and opening yourself to all sorts of new life experiences come to mind immediately.

Frequently I find that once a client has had a successful hypnosis session in my office, the list of “What else I want to use this for” becomes an immediate topic of conversation. The same might be true of reading an article. ©2009 by Wendy Lapidus-Saltz. All rights reserved.