Friday, September 19, 2008

Easy ways to loose weight

The healthiest way to lose weight is neither crash diets nor bursts of exercise. The body likes slow changes in terms of food and exercise.

Loosing weight is a is a real challenge but not impossible in the modern world. As one can do nything to look gud who dont need strim waist line much more impressed by Shilpa shetty, karine n many more. Just one need to regulate ones daily habbit related to food it doesnt demand a heavy change.

Develop the habit of eating from every two hours:

1)one bowl of sprout.
2) some boiled vegetable.
3)fruits(Kiwi,carrot)

Ultimately, losing weight comes down to one key principle: Burn more calories than you consume.

We already know that to lose weight, you need to burn more calories than you consume. You've tried dieting, keeping a food diary, creating an exercise regimen, and perhaps even hypnosis. It's now obvious that the problem isn't with the technique, but with your willpower. Old habits die hard. If you're having a hard time maintaining your efforts over time, here are some radical ways to break away from the routine.

Here are some tips after studying

a)Eat less. More often. Rather than eating large meals, chop up your eating into smaller portions throughout the day. I found myself eating 3 meals most days and having a snack around 3pm as well as another in the evening. That was enough to keep me from feeling hungry while still eating less in total.


b)Don't eat right before going to bed. I've read this numerous times and don't get why it works, but it does. I set a limit of 3 hours. So I planned to go to bed at midnight, I wouldn't eat past 9pm.


c)Brush your teeth early. For whatever reason, I won't eat when my teeth still feel clean. By brushing them several hours before bed, it was easier to accomplish #2.
Kick the sugar habit. If you drink sugared soft drinks (I used to be a Mt. Dew and Coke fan), replace them either with their diet counterparts or water. This can make a very, very big difference.


d)Eat vegetables before the main course. Whenever possible, I'd make sure to have an ample serving of a vegetable (you get very few calories for the amount you eat) before eating the denser main course--often a meat or fish. You'll need less of the dense stuff to be happy.


e)Get used to leftovers. When you eat out, expect to take some of your meal home. If you eat standard restaurant portions, you'll almost certainly overeat.


f)Shop with calories in mind. When you're at the grocery store, spends some extra time reading the labels and nutritional information. You'll probably end up changing your shopping habits along the way. You'd be surprised by the how widely the calorie counts in various granola bars varies, for example.


g)Slow down! When you eat fast, you end up ingesting more food before you body has a chance to figure out that it's satisfied (not full).

h)By putting down whatever utensils you're using between every bite, you can significantly slow down your eating time, leaving your stomach a chance to feel full and reducing the likelihood that you'll go for seconds Numerous studies have shown that eating slowly results in eating less.


i)Drink more water during the day. This is fairly generic advice, but definitely seems to help.
Trick yourself with gum. Sometimes we eat out of habit or because it just feels good to get some flavor in your mouth and chew for a while. Find yourself some sugar-free chewing gum and use it when the urge strikes.


j)Reduce the amount of breads, chips, crackers, and salty snacks you eat. A lot of starchy and/or salty food make you want to eat and drink even more. This comes straight out of Atkins diet culture

k)Eat 4 meals a day 3-4 hrs apart

l) Eat 1-2 raw vegetable before each meal which gives the reason to eat a little as desired.

m)swimming is also a gud source for reducing weight.

n)All the sugary products are trend to put more weight like sugarcane juice.when thristy try grabing buttemilk or plain water rather tham softdrink, or ny drink which is rich in sugar.Try avoding chocholates at large which is a large source of fat.

o)Start having lemon tea rather than milk tea.

p)One need to walk at least 10000steps. which is a simple exercise nybody can do without any expensive equipment and there no chances of dislocation of onesbone.

q)Avoid having a second helping at dinner.

r)Unsaturated sugar favours less fat then saturated.Swap whole milk for semi-skimmed, or semi-skimmed for skimmed.

s)Try avoding junk oily,fried,chips potato.etc

t)Keep weighing urself perodically that gives a solid reason to to stick to the planner.

u) increase your levels of activity.Develop the habit of doing ones own work by himself rather than ordering or getting done through ones junior.

v)don't shop when you're hungry. You'll end up getting more food *and* more easy food like candybars so you can eat one right away. If you always shop once every day, change it so you eat first and then get food for tomorrow.

w)Get out and about at the weekend. Leave your car on the drive and walk to the shops. Try to incorporate longer walks into outings to the park, coast or countryside and take a picnic so you are in control of what you are going to eat that day.

x)Use stairs as much as you can rather than opting for elevator.

y)Use commercial breaks between TV-programmes to stand up and do some exercise or grab a glass of water may be.

z)Cut down on bear n alcohol.

Warnings

Don't lose too much weight too quickly. The harder you push yourself, the higher the chance of relapse. Slow and steady wins the race.
Avoid "fad" diets like the cabbage soup diet and any diet that requires you seriously limit all of any one food group. The body needs all nutrients to function properly. It's when a person's diet is extremely dependent on any given food group that things go awry.
Week

current weight Alcohol Exercise Foodplan



Progress Alcohol Exercise Foodplan Mood comments
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday
And loosing weight also needs patience its unlike magic in which things happen with just swing of eye. PAtience lead to result.
Keeping your motivation up is one of the most difficult aspects of dieting. There will be days when healthy eating goes out the window and there will be weeks where you may not lose any weight – or put a little back on.
Keeping your motivation up is one of the most difficult aspects of dieting. There will be days when healthy eating goes out the window and there will be weeks where you may not lose any weigh– or put a little back on.
But nothing to worry as life is full of up and down.Just reset yourself then wind is again your side.

Saturday, September 13, 2008

Kids Insurance Plan explained

Life insurance plans help in servicing various needs in an individual's financial planning exercise. One such need happens to be planning for his children's future. Planning does not necessarily mean about what you wish your child would grow up to be, or have certain characteristics, but it also essentially means you as a responsible parent having various obligations to fulfill that would help him to grow better in this world. Children's insurance plans help in addressing many of these needs.

The first thing that strikes is providing for education (graduation as well as post graduation).

The most often repeated statement, ‘Assume that a two year MBA program in a leading business school costs Rs 5,00,000 at present. Your child is five years old now and will pursue the management degree at the age of 20 years. This gives you a time frame of 15 years. Assuming that the inflation rate is 10% per annum, the education would cost Rs 2,088,624. Now that seems a handful, doesn't it?’

Life insurance plays an important role in an individual's financial planning exercise. Insurance can assist individuals in planning for their own life stages as well as provide for their child's future. It also secures the child’s future in case of any unfortunate event. Various types of child insurance products are available in the market today.

Also read - Busted: 10 insurance myths that can prove costly

While individuals might have a financial plan for themselves in place, it is equally important that they secure the financial future of their children. For example, suppose an individual wants to plan for his son's education. A child plan will serve in achieving this goal.

Suppose an individual is aged 30 years and has a son who is one year old today. He wants to plan for his child's education. He would like to receive a fixed sum of money (say around Rs 100,000) at regular intervals when his son would need it the most i.e. while he is still pursuing his education.
In our example, the individual would like to get regular payouts when his son is nearing graduation (i.e. around 21 years of age). The payouts will help in funding his child's graduation as well as his post-graduate studies. In addition, he will also like to buy some life cover for himself in case of an unfortunate eventuality so that his son can continue on the career path chosen for him without any struggle.

The plan chosen by the individual is for a sum assured of Rs 500,000 for which the annual premium is Rs 24,000. In case of an eventuality to the individual, his son will stand to receive the sum assured (i.e. Rs 500,000). He will also receive any bonus additions that have accrued over the policy tenure.

In addition to the payouts above, this child plan also offers a waiver of premium rider alongwith the basic plan. In the event of an eventuality, the family of the insured will not be burdened with future premium payments on the child plan - the insurance company will make the premium payments towards the plan. This will go a long way in securing the financial future of the child as well as relieving the family from financial worries.
The plan chosen by the individual will also help him achieve his goal of regular payouts once his son crosses his 19th birthday. On that day, the son will receive 25 per cent of the sum assured i.e. Rs 125,000 in our example. From thereon, the individual will keep receiving 20 per cent of the sum assured (i.e. Rs 100,000) every year over the next four years.
In addition to this, the individual will also stand to receive guaranteed additions plus bonuses on maturity. The maturity amount in our illustration is approximately Rs 319,000 (@ 6 per cent assumed growth rate) / 662,000 (@10 per cent assumed growth rate). The maturity amount can help fund the child's post-graduate studies.
Child plans differ across insurance companies. For example, if an individual wants to plan for say, his daughter's marriage, then he can opt for a child plan that gives him a lumpsum on maturity as opposed to regular payouts. Child plans can also be taken for building seed capital for his son's future business requirements. Individuals should therefore evaluate their options with care to secure their child's future

Compare Policies across companies: The Life insurance offerings varies across companies e.g. ULIPS differ from company to company in terms of expenses, fund management expenses, minimum premium amount etc. The Term plans too offer variants in the minimum sum assured, the premium amount and maximum tenure. You should study well about such factors.



As a parents we dream of giving our child the best of the world in everything whatever it may be of education, or of marriage or a start in life and so on.The very best however comes at a significant cost which goes up a little further with every passing of sec and making us further and further from our dream for our lovely kids.
Here are a few comparision of various bank offering returns for the income .