In-Home Personal Training NYC Is Best To Get Impressive Personality

Fitness training is necessary for everyone to lead a healthy life. After all, the question is regarding your health and no compromises can be made at any cost. Training in NYC or any other state can be taken in different ways. You can either join a gym or call the trainer for in-house personal training or even visit dance classes to stay in shape. The means of getting that perfect shape and figure is not necessary, the main thing is about the desired results that you get. In-home personal training is, generally, carried out for those people who do not get enough time to visit a physical instructor in gym.

Are you a fitness freak? Is that you are willing to spend some extra time on fitness session to get the desired body, but not having time to go to gym? I think that in-home personal training is the best and the most suitable option for you. There are a variety of advantages that are associated with this form of personal training. Firstly, you will be able to save on the time that you had to take out everyday and that too specially taken for this purpose. Another advantage that makes in-home personal training in NYC famous is that you get personalized attention.

Everyone in this world loves to stay a healthy life and sweating out in in-home personal training sessions is not a tough task. Just tell me who wants to look fat or have a bulge coming out. Well, no one wants to feel embarrassed while walking in social gatherings and hear the comments against them. In-home personal training session will not only shed out that extra weight, but will also tone up your body to your satisfaction. In this type of weight loss sessions, personalized attention enables you to converse well with your trainer about the regular diet and things to be done.

Generally, in-home personal training process includes taking care of back injury prevention, body toning and sculpting, traditional strength training, Pilates and many other fitness programs. The present scenario is that, more and more people are becoming health conscious. They have understood the fact that staying fit is the key to live a healthy life. Who wants to have troubles and ailments? It is the fitness programs that help to avert all sorts of ailments. In-home personal training also enables you to cut down on the heavy fees that gym instructors charge. Living healthy is what has become the need of today and this form of training process is a boon for everyone.

The main thing of consideration in in-home personal training is that your trainer would be able to tell you newer methods of doing exercise and lose weight. In fact, the trainer may also make a diet chart for you to follow. The diet chart is quite useful in maintaining and regularizing your diet to lose those extra pounds that have been put on. As far as the busy lifestyle of NYC citizens is concerned, the idea of in-home personal training is liked by everyone. Busy professionals think that this is the best way to get back into shape, without devoting time for it specially.

Farm Bill 2014: Welfare for the Rich at the Expense of the Rest of Us

There is a proverb that dates back to the early Bible that says that as long as mankind exists the strong will always oppress the weak.

Recently we saw a fulfillment of this biblical prophecy play out on Capitol Hill as Congress passed the Farm Bill 2014 laced with lots of generous goodies for rich farmers and insurance companies that will be paid for by the taxpayers and by cuts to the food stamps program that benefits low income people.

THE NEW FARM BILL

It was praised by the President as representing a bipartisan breakthrough and signed by him despite his recent talk about the problem of income inequality.

In the bill there are some decorative reforms such as ending direct payments to millionaires designed to be good talking points in election campaigns. But a closer look at its provisions reveals something very different.

(a) SUBSIDIES

The main provision of the bill is that it creates new farm subsidies and crop insurance for farmers to be paid for by government if crops fail or prices fall too far.

In the event of any such occurrence the guarantee extends not only to the farmers but to the insurance companies who underwrite failure and so the government has to pay a subsidy not only to the farmers but to the insurance companies as well.

Senator Klobuchar (a Democrat) has implied that this provision is no big deal since it only affects 16 states. But would those who lose benefits under the bill agree? And there is another problem with this provision.

The Congress voted to keep the public from learning how much the lawmakers themselves maybe getting in subsidies. There is an obvious conflict of interest because they were voting on legislation that could give themselves a benefit and went further by including a provision to enable them to hide it by excluding a duty to disclose it.

This at a time when according to the Environmental Working Group:

1) in 2013, 15 lawmakers or their spouses who own farms collected a total of $237, 921 in subsidy payments (Washington Post- Why watchdog groups don’t like the new farm bill, by Ed O’Keefe, February 7, 2014); and
2) subsidies are skewed to wealthier farmers because taxpayers support goes mostly to large, profitable operations not to family farms that truly need help (The Economist, The Farm Bill- A trillion in the trough, February 8, 2014).

(B) CUTS IN FOOD STAMPS

The new subsidies will have to paid for by taxpayers but also by cuts of over $800 million a year from the food stamp program which was created to help low-income people (called Supplemental Nutrition Assistance Program or SNAP).

This cut will affect 850,000 people and takes an average of $90 out of their pocket each month.

It must be remembered that 45% of food stamp recipients are children and in 2010 USAID said that 41% are working poor. Furthermore 1 in 7 Americans rely on food stamps (New York Times, Welfare for the Wealthy, by Mark Bittman, June 4, 2013).

The timing of this cut could not be worse because at this time people need a safety net as the country recovers from one of the worst recessions and when there is a growing income inequality between the top income earners and the rest of us.

The question to be asked here is why would Congress pass such a bill?

CONGRESS: A MILLIONAIRES CLUB

The fact that Congress would pass a bill that gives more to the rich and less to the poor is hardly surprising considering that the majority of members are millionaires. It is a millionaires’ club.

Of the 534 current members of the House and Senate, 268 had an average net worth of $1 million or more in 2012, up from 257 in 2011 (NPR, Majority in Congress are Millionaires by Carly Cody, January 13, 2014).

But that is not all. These members are not reluctant to use their office for personal benefit.

In recent years 73 lawmakers have sponsored legislation that could benefit businesses that involved those members or their families. This practice is both legal and permitted under the ethics rules.

But it is Congress that writes the rules for itself and though the lawmakers require executive branch officials to avoid the appearances of a conflict in their dealings, they have not asked the same of themselves (Washington Post, Politics- Congress members back legislation that could benefit themselves, relatives; by Kimberley Kindy, David G. Fallis and Scott Higham, October 7, 2012).

This is an area of the law that is badly in need of reform.

IMPLICATIONS OF THE NEW BILL

The new bill signifies all that is wrong with Washington i.e. the hypocrisy and double standards of our elected leaders.

For example, one of the biggest recipients of farm subsidies is a Congressman from Tennessee who says that food stamps is theft and that it is not the role of Washington to steal from some in the country and give to others. So he supported the cuts to SNAP in the bill but is quite happy to collect its generous subsidies, courtesy of the taxpayers and the poor.

Then there is the problem of the imbalance of political clout on Capitol Hill. The Koch brothers who control Americans for Prosperity spared no resources in lobbying to get provisions that expand the biomass energy programs and to include exemptions from the Clean Water Act from which their corporate empire derives benefits.

On the other hand recipients of food stamps had few resources with which to lobby and so without leverage they lost.

Lastly, the bill shows that our elected leaders respond to those who fund them and not to those who elect them. It has been suggested that the reason for the bill was that 10 House members who accepted the most money from agricultural lobbyists took an average of $225,000 in political contributions during 2013 and the Farm bill was just pay back (The Economist, The Farm bill etc.). It is hard to disagree with that.

Victor A. Dixon
February 13, 2014

Thinking About a 2014 New Year’s Resolution To Lose Weight?

As surprising as it sounds, 2013 is already drawing to a rapid close which means the New Year will soon be upon us. If you have not had much success tackling the weight loss issue this past year but truly want to achieve this goal, then establishing a New Year’s Resolution may be the answer to your prayers.

The reason why New Year’s resolutions have the potential to be so effective is that at no other point during a calendar year are people self-motivated to accomplish a goal. With a new year starting out, many feel this is the perfect opportunity to accomplish something they desire to change or learn.

With New Year’s resolutions generally starting on the 1st of January, it’s easy to keep track of how much time has elapsed and keep track of the progress made. In other words regardless of what day or month you’re in, it’s simple to figure out how long you’ve stuck with your resolution.

One of the Most Popular New Year’s Resolutions is to Lose Weight

As simple as it sounds to declare a New Year’s resolution there is an unfortunate statistic tied hand in hand with this yearly tradition. According to Forbes, even though over 40% of Americans start the New Year with a resolution, only about 8% of them actually achieve their goal.

Let’s look at the numbers to put this percentage into perspective. Rounding the U.S. population to 320 million reveals there will be approximately 128 million people that make a New Year’s resolution this year. Unfortunately only about 8% of them, around 5 million, will actually achieve their resolution. In other words over 120 million Americans will fail to accomplish the goal they began at the onset of the new year.

It’s plain to see that even though a large number of people start the new year wanting to achieve a goal, something goes wrong along the way.

If you are one of the millions that will set a New Year’s resolution, forming an actual plan will help ensure you stick with your goal and are successful. Words are meaningless unless they are followed with some type of consistent action. If this resolution is truly important to you, it’s imperative you decide what needs to be done so that you can be successful.

For instance, if your New Year’s resolution is to lose weight and get in shape, there are certain things that must occur for you to have success with this. By forming a specific plan of action you will help ensure you don’t end up one of the 128 million others who quit their resolution.

Since eating healthy and appropriate portion sizes are critical for weight loss, what will you cook/prepare each day of the week? This is where a daily/weekly menu will help keep you focused on healthy nutrition.

What will you do regularly for exercise 3-5 times per week? Decide on your activities and the times for your workouts and stick with it.

By answering these types of questions, you arm yourself with a specific plan of attack to help ensure you stick with what needs to be done in order to be successful. Whichever New Year’s resolution you decide upon this year, know that your success will be determined by your actions. If this resolution is truly important to you, you’ll do what needs to be done in order to reach your goal.

Personal Training Business Tips That Generate Wealth

Personal trainers start a personal training business because they are passionate about fitness, want to help people, and also enjoy the freedom of working for themselves. These are all great reasons for starting a personal training business. Fitness trainers are mainly individuals who enjoy teaching fitness, owning their own business, and scheduling appointments whenever it is convenient to them.

If you are a fitness minded individual who enjoys health, fitness, and exercise, and wants to make an excellent income with the freedom of working for yourself, then follow the personal training business tips I reveal below. I have already reached a high level of success in the personal fitness training business, and so can you.

The fact is the fitness business is booming! As a result of the aging baby boomers, and the will of the aging population to live a great quality of life, there are more and more opportunities for personal fitness professionals to make an excellent income. The baby boomers quality of life quest, and the obesity factor will surely drive a huge amount of personal training clients your way. Therefore, the potential of running your own personal training business is financially limitless. However, the time to seize this fitness training business opportunity is right now.

After working in the personal training business trenches for over 20 years I am pleased to reveal some of my very powerful fitness training business building tips that will help accelerate your fitness earning potential.

1. Treat personal fitness training as a real business – Most personal trainers just focus on the education of exercise physiology. This is where a typical personal trainer makes a huge mistake. Anatomy, and physiology knowledge is very important, but it is the business, sales, and marketing knowledge that is going to allow you to benefit financially.

My recommendation is to not be a one dimensional personal trainer, but to invest a considerable amount of time on personal training business courses. Remember, it is the business, sales, and marketing wisdom that will bring new clients through the door, not specifically your physiology, or nutrition smarts.

Treat your personal training business as a real business. It is not just something temporary until you find a new job. It is a real income producing business opportunity that can easily yield you well over $100,000 year in and year out. A real personal trainer business means you must have a business plan, and be willing to investing in sales, and marketing continuing education.

2. Invest in personal trainer courses to continue your education. Since you are running a professional personal training business it is important to say on top of the latest research, and techniques which will help your clients. They pay for your expertise to help them. As mentioned above, I also recommend investing in the educational material regarding business, sales, and the marketing of a fitness business.

3. Be professional. Since you are going to be commanding fees equivalent to that of other health care providers, it is important for you to conduct your personal fitness training business with total professionalism. You must show the client excellent value for their investment. Clients don’t want to pay someone top dollar when they act in an unprofessional manner. Being professional also means having a personal trainer certification to back you.

4. Be a good listener. You should also listen more than you speak when consulting with your personal training business clients. Fitness training clients want to be understood, and listened to. The more you listen to them, the more they will rely on your services, and the more they will tell their friends about you.

5. Don’t have the cheapest personal training rates on the block. It is a fact that if your rates are higher, the clients perceived value of you is better. With that said, when starting a personal training business you should not have the cheapest rates around. People generally feel they get what they pay for. By elevating your clients perceived value of yourself, and your fitness business, they will not complain of higher rates. You should always portray a higher perceived value in relation to your personal training session price.

6. Be a leader. Professional personal fitness trainers have to be leaders. You should not waffle, or look confused when training a client. Instead, act confident, and well in command as you look after your fitness training clients best interests.

7. Always be networking. Everyone that is within 5 feet of you should know about your personal training business. The more people you tell, the more money you will make. It is that simple!

8. Carve out your own niche. Don’t be a jack of all trades. Pick a segment of the personal trainer market, and specialize in it. Whether it be the post rehab market, the baby boomer population, or pregnant women, make sure you are known as the guru for a particular segment of the personal training market.

Now you ask how to start a personal training business. Before doing so get an education in anatomy, exercise physiology, business, sales, and marketing. There are many great resources to help you quickly profit in your very own personal training business.

If you love fitness, want to work for yourself, and enjoy the possibility of a great income, then the personal fitness trainer business is for you. There is no better time than now to begin your own fitness training business.

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What People Need to Know About the New Obamacare Health Insurance Marketplaces Set to Open in 2014

The Patient Protection and Affordable Care Act, also known as the Affordable Care Act, PPACA, and Obamacare created health insurance marketplaces, or exchanges, that are set to open in 2014. These marketplaces are new, and as will all new things, there will be many questions asked. Here are some of the aspects that you will need to know in order to make a good decision about whether the exchanges are for you and your family.

What is a Health Insurance Marketplace?

A health insurance marketplace is an online website where individuals can compare plan designs and premiums from various medical insurance companies. Unlike today’s individual insurance market, where a person has to go through an online broker or shop for plans on their own, the marketplaces will have all the plans on the computer screen in front of them. The plans will be easy to read and understand. Once the decision has been made as to which plan to enroll in, the actual enrollment can be done instantly from the marketplace’s website.

Who Manages the Marketplaces?

The Affordable Care Act is a law passed by the United States government, but the responsibility of managing the health insurance marketplaces falls to each individual state. However, if a state does not want to open their own marketplace, they can defer to the Federal Marketplace.

What this means is that in order to enroll in a marketplace, an individual will need to go to his or her own state’s exchange, which can be found here.

When Do the Marketplaces Open?

The first effective date of plans purchased on a health insurance marketplace will be January 1, 2014. However, Open Enrollment begins on October 1, 2013. On that day, individuals will be eligible to purchase a medical plan.

It is important to note that not all online exchanges will be ready to roll on October 1. In that case, people will need to enroll via telephone.

What Kinds of Plans are Available in the Marketplaces?

The exchanges will not have the same number of plans available as an individual insurance company offers outside of the exchange. However, there will be a good spread of plan benefits.

The marketplaces will offer 4 levels of plans. These plans will be called Platinum, Gold, Silver, and Bronze. The Platinum plan will offer the richest benefits, followed by Gold, Silver, and then Bronze.

Individuals that want low premiums can choose the Bronze plan, but their out of pocket exposure will be higher than the other plans. If someone is willing to pay high premiums in exchange for low out of pocket risk, they can purchase the Platinum plan.

What Will be the Cost of the Plans?

This is the question that everyone wants to know the answer to. The cost of the plans will of course vary by plan value, but will also vary by state. Insurance companies will be the ones providing the plans, and they will use their underwriting guidelines to develop premiums. The hope is that competition between the companies will keep the cost down.

Is Help Available to Pay for the Premiums?

Some people will be able to receive tax credits to help offset the cost of a plan purchased on the exchange. If an individual makes less than 400% of the poverty level and is not eligible for Medicaid, they can receive premium assistance. The health insurance marketplaces will be able to determine this assistance during the enrollment session.

Marketplaces can Ease the Burden of Purchasing Health Insurance

The health insurance marketplaces were designed to help people find affordable and comprehensive coverage for their healthcare needs. Inevitably, some tweaks will need to be made, but all-in-all, the exchanges will be a great place to find good insurance.