Gain Weight and Build Muscle – Apply the EEE Steps Rule – Educate, Eat and Exercise

First step: Educate yourself. This implies a learning process and learning material. In this case, your educational material includes a couple of easy to follow rules and labels reading! Certainly, you must learn to read and understand all those labels on the backside of the foods you buy. Educate yourself on the nutrients you need before starting to eat and examine the nutritional information before putting anything on your mouth.

You want to gain weight and build muscle; hence your dietary plan has to provide you the necessary nutrients to enhance weight muscle gain instead of fat weight gain.

Start checking your weight and find out what you need.

Vitamins and minerals are a must of a healthy diet. Varied fresh fruits and vegetables should be an optimal source for them.

Proteins are the raw material for muscle development. You need to eat 1-1.5 grams of proteins per pound of weight.

Carbohydrates play fundamental role in a bodybuilder’s routine. You must take 2.5 grams of carbs per pound of bodyweight.

Fats. You need fats too! You should get 0.25 grams of fat per pound of bodyweight.

Now you are ready to calculate how much proteins, carbs and fats you need to eat daily. Label reading time begins.

Second step: Eat what you have to eat to enhance a healthy muscular weight gain. But do not get all those requirements together, no way. Distribute your dietary needs in several foods along the day. You should eat at least 6 times a day at the beginning. I say at the beginning because if you keep your motivation and become a real bodybuilder you will be eating every 3 hours.

Third step to gain weight and build muscle is exercise!!! Not any exercise nor at any time. To build muscle you specifically need weight training. Exercises are all recommended for health and physical well-being, but when the goal is to gain weight and build muscle what you need is resistance training. That is lifting heavy weights. If you train with a weight that is comfortable for you to lift, then it is not enough to build muscle. Here appears another E: effort. Exercise all major muscle groups. Three weekly sessions of weightlifting workout including one weekly routine for each group should be a good start.

It is not impossible to gain weight and build muscle, it takes effort to educate, eat properly and exercise towards muscle development.

The ABCs of Car Donation – O Is for Opportunity

When you donate your car to charity, it opens the door to a lot of valuable opportunities. You get the opportunity to divest yourself of a car you do not need and you get to do it in the most opportune way.

There are only a very few requirements for donating a car to charity. You just need a valid title, your car has to be intact and it has to be in place where the tow truck can easily get to it. And, your car will be picked up at no charge to you. There is no muss, no fuss involved. There are no car repairs required, no negotiations with a car dealer or a private party, no wasting time or money advertising or showing the car. Car donation only requires a very few minutes on the phone or on the internet.

Car donation offers you the opportunity to get a very nice tax deduction. Your tax deduction is equal to the amount the charity sells your donated car for or $500, whichever is more. All that is required of you to claim your tax deduction is to simply itemize on your federal tax return. The charity you donate your car to will provide you with all the paperwork you will need to claim your valuable tax deduction.

When you donate your car to charity, you have the opportunity to assist a charity whose mission you believe in. The money generated by the sale of your car donation can support International charities that are helping to promote human rights, animal rights, environmental issues or who provide food, shelter, medicine, health care, education, etc. to third world countries or to countries who have been struck by a natural disaster. Through your car donation, you have the opportunity to support National, regional or local charities that are striving to cure disease, illness and injury, or to provide services and education for those currently suffering and their families. You also have the opportunity to help charities that provide food, shelter, health care, counseling, etc. to the homeless, poor or those who are suffering from mental illness or substance abuse. You have the unique opportunity to help charities that provide assistance to victims of child abuse, sexual abuse, abuse against women, animal abuse, or who provide education, training or other programs for young people, the disabled, the unemployed or the under employed or to charities who provide services to the elderly and/or their families. You can also help support charities who assist veterans, active duty members of the military or their families. The proceeds from your car donation will also afford you the opportunity to support various religious organizations or ministries. Or, you can help charities that support the arts, music, libraries, etc.

If you have a car you no longer need, you have a chance to help yourself and to make a difference in the life of someone else. All you have to do is seize the unique opportunity and donate car to charity.

Investing Your Money: Check Your Financial Health

Before embarking on investing a lump sum it is advisable to check your financial health, to see how you measure up to the ideal.

Preparing background information

If you consult a financial adviser, you will first be asked for some background information. Here you are the adviser as well as the client so, although much of this information will be obvious to you, it is still worth writing it down as it will affect what comes later.

Personal profile

A financial adviser will ask:

  • your age;
  • whether you are employed, self employed, unemployed or retired;
  • Whether you are married, have children still dependent on you (or any other dependants, such as a widowed mother without much pension); and
  • what is your highest income tax rate (your marginal rate).

Budgeting

If you do not have a clear idea of your weekly or monthly income and expenditure, prepare a budget. Include in it any savings you are making for a specific event.

Your financial assets and liabilities

List any savings and investments you have, followed by a list of any liabilities bank overdraft, credit card debt, etc. The difference between the two is the value of your net current assets (if it is a negative amount, you need to plan to reduce your debt).

Your mortgage is a separate issue because it is a long term liability.

Doing your financial health check

The ten steps which follow are in order of priority.

1. Reducing borrowing

Are you borrowing money, except against your home? If so, consider paying it off as soon as possible as the interest will be expensive.

2. Establishing an emergency fund

Have you got a cash reserve to fall back on at least one month’s normal expenditure and preferably two or three, in an instant access deposit account or as a borrowing facility? At least half the population has less than £1,000 readily available and 10% have nothing at all.

3. Avoiding financial disaster

Is your income protected by insurance against the death, sickness or permanent disability of the breadwinner? Do you have adequate home and car insurance?

4. Retirement planning

Are you paying towards a pension? It is never too early nor too late to start.

5. Getting tax and social security advantages

Are you getting all the income tax allowances, reliefs and credits, and social security benefits you are entitled to?

6. Estate planning

Will your heirs have to pay inheritance tax? If so, consider how to avoid it or pay for it yourself.

7. Saving for special events

Do you need to save up for your next holiday, a new car, a wedding, long term care in old age? Putting aside just a small amount regularly is the best way.

8. Paying for education

If you have young children, are you saving up to pay for private education and/or university?

9. Reducing your mortgage

It is worth considering a reduction before investing surplus income or a lump sum.

10. Investment planning

Have you surplus income which can be channelled into a savings scheme or do you have a lump sum to invest?

Making strategic decisions

The result of your financial health check may cause you to change your budget, for example to pay for more insurance cover.

Or you may wish to change your existing savings and investments to fit in with the ideal – perhaps to put more into your cash reserve.

Make a list of your shortcomings compared with the ideal and decide what action to take.

Saving to invest

If you do not have a lump sum to invest but can afford to save, there are many investment products which accept regular monthly payments.

In other cases, where the minimum investment is low and monthly savings are high enough, they can be invested directly. For example, National Savings certificates have a minimum of £100.

Otherwise, savings can be put into deposit accounts until enough has been accumulated to make a lump sum investment.

The advantage of investing regular savings is that there need be no commitment to maintaining payments, e.g. there is no harm done by missing a monthly purchase of a savings certificate.

Analysing your savings needs

If you need or wish to save, consider the following:

  • What are you saving for to increase your cash reserve, for a special event, for your children’s education, for retirement and how much do you need? If you have more than one reason, decide the priority.
  • How much can you save, each week or month, and so how long will it take to achieve your objective?
  • Do you need quick access to the money? Bear in mind that, if not, you might get a higher return from a longer notice deposit account, or even in an equity investment, which should grow more in the long run (say at least five years).
  • Do you pay tax and if so what is your marginal rate? Compare returns on an after tax basis.
  • Can you save regularly? It is better if you can, but be wary of committing yourself to a regular savings contract if there is a penalty for missing a payment. Irregular deposits when you can afford them are better than nothing.
  • Is your priority income or capital growth? Some investments are better for one, some for the other, but many achieve both.

How much risk are you prepared to take? Higher risk should lead to higher returns but only in the longer term.

Medical Billing is the Fastest Growing Opportunity in Health Care

On February 16, 2006 the Health Insurance Portability and Accountability Act was finalized, and enacted. This law is designed to establish national standards for all health care transactions, and to ensure the security and privacy of all health related information. The motivation behind this law is to improve the performance, and efficiency of our health care system. This type of reform has created a need for qualified individuals who can utilize the tools of this legislation, and assure full compliance, and maximum reimbursement. It would therefore be a prudent move for health care facilities to employ such individuals in order to avoid mistakes that could have dire consequences.

The proliferation of medical knowledge following World War II brought about an explosion of diagnostic, and treatment procedures. As a result, there became a need to organize, and standardize all these developing technologies. Here is where the foundations of medical coding were born. Medical coding met these challenges, and allowed for a more uniform way of communicating health information under a common language. By January 1979, standardized definitions, and codes were adopted, and used by health care providers, and insurance companies. Since improvements and refinements of medical procedures are constantly being developed, codes must be added and updated to reflect these changes. Today, the number of medical and surgical procedures have become enormous, so too have the codes to describe them. These overwhelming numbers of codes and protocols have made outsourcing medical billing the standard.

Medical Billing and related occupations continue to be the fastest growing opportunities in health care. Insurance institutions and government agencies are investing huge resources to control claims’ fraud, abuse, and establish some degree of reimbursement parity. As a result, more insurance companies, and health care facilities are looking to medical billing experts for help. These companies and practices are looking for experienced and educated individuals; the legal consequences of incorrect billing could be devastating. There is a movement in the industry to make medical billers responsible for inaccuracies, much they way accountants are for tax returns.

At present, there are no standards for educational requirements for medical billers and coders. However, more employers are looking for some formal training at an accredited career training institution. These schools range in training time from nine months to two years, anything less would not be considered adequate. There is a move for certification, and several organizations are sponsoring certification examinations in medical billing and coding. Medical billers and coders earn as much as $8 to $10 per hour in the beginning, and could potentially realize $30 to $40 per hours with experience and additional responsibilities.

Today, evolutions in the health care industry are happening at a very high pace. It is only with the assistance of sophisticated computer programs, and standardized coding procedures that medical coders are now able to describe and characterize the tremendous number and various kinds of medical and surgical procedures. These realities coupled with government regulations, and health insurance guidelines have contributed to the strong demand for experienced medical coders and billers.

Online Business Opportunity – Works For You Day and Night

The education you need must be all the top marketing methods out there for you to use and market daily. You need to learn how to market but in a unique way that will benefit your prospects. You can not just try to sell people all the time because you will not be successful. There are many methods of marketing and you need to focus on 3 to be your main ones so you can master them and use them daily to market. So the opportunity or community you join must have some of the top marketing education for you to succeed.

You need a product line that is beneficial to you and everyone you will be introducing it to so they benefit as well. Trying to sell juice or games or any jewellery for example things like this that do not really benefit any one will not be of any help to you. For example a wealth building or financial product line can be beneficial to everyone around the world especially in this economy! Even health products or medicine but if you do not like health or medicine I suggest financial or wealth products because they are fun to read and learn about money, mortgage, finance, tax, and much more. Sound interesting?

I personally love wealth building and financial products and services to deal with because my prospects love my product line as well and always helping others. The feeling of knowing you gave some one something useful is priceless.