Monday, July 12, 2010
Become Your Own Calorie Counter Exercise Expert
Not only can you lose body fat and gain the advantage over a struggling weight loss effort. Rather, you can actually experience a THRIVING sensation from positively acting on your calorie counter habits and nutrition lifestyle.
As an experienced fitness, health, and nutrition consultant... I've observed clients, strangers, and friends attempting to adjust their health or manage their lifestyles to gain satisfying physical fitness results.
Now, you can benefit from such experience by avoiding the obvious flaws and misconceptions
associated with losing weight for good.
And, make no mistake about it... not just ANY calorie counter can do the job for you.
Here is why...
The combined thrusts of lifestyle weight management, nutrition intake, even your personal training or bodywork experiences... all go hand in hand to support the calorie counter results you might receive.
That is, these items operate together, synergistically... as pieces of your calorie counter puzzle. And, just like solving practically any puzzle, one missing link totally blocks the completion of your potential calorie counter goal.
Here are some calorie counter component examples...
Personalized nutrition, for instance, supplies you with proper fuel intake. The right KINDS of foods actually provide fuel that you can burn off in the form of unwanted or excess calories. You can only see such numbers or perform these skills with maximum efficiency... when you follow calorie counter fundamentals.
Science-based calorie counter software tools can help you.
Yet, would you also like to know where the absolute best calorie counter philosophy originates? It comes from YOU, through your own power, with your own practice, plus your own highly personalized understanding of how a real calorie counter is supposed to work.
Mind you, the best calorie counter tool may asksYOU to do the work... the purpose here is to enhance, improve, and sharpen... even MAXIMIZE your physical performance ability, outward appearance, inner feelings, plus overall shape.
In other words, there are calorie counter solutions you can dependably use, to be a better-body person.
- If you're afraid of calorie counter sweat,
- Or, you hate crunching numbers to hone your calorie counter comprehension,
- If you're short on time to work with a calorie counter,
- Even if you have absolutely no idea of what to expect here...
Do yourself and your calorie counter a big favor...
ALLOW NONE OF THE ABOVE REASONS TO STOP YOU FROM ATTEMPTING, PURSUING, OR SEEKING THE CALORIE COUNTER RESULTS YOU DESERVE.
Here is the little-known calorie counter secret...
DISCOVER THE RIGHT ENERGY BALANCE. With this simple calorie counter secret, you can literally SEE your pounds disappear.
When your body fat percentage changes from day to day, follow calorie counter fundamentals to improve your daily energy balance. Losing weight is all about energy intake, which means managing calories in and calories out of your body.
About Pension Plans
Aegon Religare's new aggressive ad campaign about their pension plans have become quite a success. The advertisement itself shows that we need to plan for our retirement as soon as we can. The example of a Rs. 50 bus ticket reminds me of the days when I used to travel by bus with a minimum ticket of 0.25 paise. Today the same is costing Rs. 3. Hence there has been an increase of 13% p.a in bus ticket prices. Every item on your grocery list, real estate, medicines and consumer durables have become expensive and inflation will keep on rising. One has to create a huge corpus to survive post retirement. One of the options is to invest in pension plans. A pension is an income post retirement throughout your life. For creating an income post retirement you have to start saving into a pension scheme, as early as possible and as frequently as possible. It is similar to the Provident fund scheme that every company provides, on which an individual earns an income post retirement throughout his life. Almost all insurance companies in India provide pension plans which have a few distinct features:-
1. One can invest a fixed amount monthly, quarterly, semi-annually or annually.
2. Amount saved in a pension plan is invested at the applicable Net Asset Value (N.A.V) and denoted in units.
3. Every month a certain amount goes towards charges like the fund management charge or premium allocation charge and so on.
4. You can also opt for an insurance cover on your pension policy. The cover provided is generally 5 to 10 times of annual premium.
5. The investor has to choose from a range of sub-options or plans provided by the pension plan. For example a risk averse person can opt for a Protector type fund where 90 to 100 % of the investment is made in Gilts and Treasury bills which are risk free. Similarly an investor with a greater risk appetite can invest in Aggressive fund where 60 to 100% will be invested in equity and equity related instruments.
6. One has to define their retirement or the vesting age when they wish to stop investing and start receiving a regular income. The vesting age can be anywhere between 45 to 75 years as per policy terms.
7. A reversionary bonus is declared annually and a terminal bonus is paid out at the vesting age from the With profits fund. Even this differs from company to company.
8. You can opt for a single premium or regular premium pension plan.
9. In case of death of the investor during the term the company pays out the fund value + bonuses (if applicable) or the Sum Assured (cover) or both. This too differs from policy to policy.
10. At the vesting age the investor can opt for an annuity plan from the same or a different pension provider.
11. Tax benefit u/s 80C upto Rs. 1 lakh p.a. On retirement one take withdraw a lump sum of 33.33% of the fund value tax free as on the vesting date.
12. One can surrender the policy after three years of policy existence and can redeem the fund value as on that date.
13. Pension received post retirement is treated as an annuity and is taxable as income under the head of salaries.
Tax laws keep on changing from time to time. Different pension plans have different features. It is always advisable to read the prospectus. Also one needs to consult a financial planner to ascertain the fund required at the time of retirement and then follow a disciplined investment approach to build this fund.
Life Insurance Plans - Traditional Vs Modern By Ashok AK Kumar
We live in interesting times - interesting yet volatile! In such times, where there are no guarantees on life, Life Insurance is the only assurance that you have to guard you and your loved ones against the unknown and the unforeseen. Insurance is essentially a pact between the insured and the insurer. The insured pays the insurer a certain amount of money at fixed intervals as a premium in lieu of which, the insurer pays a certain sum assured in the event of death or on maturity of the policy.
In the past, people would go in for rather conventional insurance policies which were typically term policies or endowment policies. The sum assured in these insurance plans are guaranteed and pre-decided. These plans mostly gave the insured insurance for life, health and sometimes linked with life long pension paying scheme. However, although these old plans provide a safety net, they are outdated owing to the spiraling cost of living. They do not yield high returns and the premium paying term is rather long.
A decade back, the younger generation was not as aware of the need of insuring oneself as today's youth. Today, not only are we interested in insurance, we have learnt that investment and insurance can take place at the same time and with the same amount of money.
The business of life insurance has seen a paradigm shift. Today, insurance is not just a form of protection against the untimely and unfortunate incidents of life but also an active form of investment in the equity market. The whole concept has changed with more and more private sector companies jumping headlong into this arena. Gone are the days where people went in for government sector companies and played it safe. The risk appetite in general has increased hence Unit Linked Insurance Plans or ULIPs are ruling the roost. These ULIPs invest the insurers money in the market and not only promise life protection but also make your savings grow substantially.
With increasing awareness among the common man, the modern plans have handed over the controls to the insurer. Almost all these plans can be customized as per the insurer's needs. They have a lot of flexibility in terms of premium, term and riders. They come attached with a host of optional riders like accidental death, critical illness and premium waiver benefits. Liquidity, loan against policy and tax benefits have made them more alluring than ever before.
Life Insurance Corporation of India or LIC, as we commonly know it, was once considered the insurance giant but now it has made way for insurance biggies like AEGON Religare, Aviva, Bajaj Allianz, Bharti AXA, Birla Sun Life, Canara HSBC Oriental Bank of Commerce Life Insurance Company, DLF Pramerica, Future Generali, HDFC Standard Life Insurance Comapny, ICICI Prudential, IDBI Fortis, India First Life, ING Vysya, Kotak Mahindra, Max New York, Met Life, Reliance Life, Sahara India, SBI Life, Shriram Life, Star Union Dai-ichi and Tata AIG.
With the increasing life expectancy, it makes sense to make ample provision to live life with a certain degree of comfort. No one has seen tomorrow but we have the power of now.
Save and invest today and rest assured tomorrow!
For in depth life insurance plans reviews and insurance quotes, you can visit http://www.policyreview.in. You can find all information on most insurance plans in India, along with their details like benefit illustration, minimum premium amount and sum assured.