Education & Career Success Guide: Lifestyle
Showing posts with label Lifestyle. Show all posts
Showing posts with label Lifestyle. Show all posts

Change your life with morning exercise.

22:36
Change your life with morning exercise.

How many of you love to do exercise? As per our schedule and daily life routines, most people are allotting time for exercise at their convenient time.  So that we can live a health life. Here our experts say morning is the best time for exercise. Let me know more about the morning exercise.  
Your morning routine can hold the secret to better health. Find out the habits that will super-start your day
Would you love to have more energy and a better memory? Fewer colds and fewer aches and pains? The answer could lie in your morning. The start of the day holds the key to taking control of your well-being before time gets away with you and other people’s priorities invade.
You don’t need to get up at the crack of dawn to reap the benefits. Simply going to bed 15 minutes earlier and waking up 15 minutes earlier the next day, before everyone else is up, you will have the time to make positive changes to your morning that will make a real difference to your health and happiness. So, before you tuck into your toast, try these tricks.
Cold Comfort
Health Benefit: Improve your memory
Switching your shower to cool for the last few minutes can help “shock” your body awake, helping to relieve fatigue and increasing mental alertness, so you will get more done throughout the day. In one study, a daily “cooler” shower (around 20⁰ C) was also found to help ease depression. But make sure to check with your doctor before trying this, especially if you have a heart problem.
Laying Twist Move
Work Out The Kinks
Health Benefit: Ease aches and Pains and boost energy
Doing yoga when you wake is great for loosening muscles and joints, boosting energy and starting your day in a positive mindset.
Try Laying Twist Move; it helps keep the spine flexible, and kidneys healthy and improves blood pressure.
  1. Lie on your back with legs straight and arms out a little higher than hip height.
  2. Place one foot on top of the opposite leg and gently twist over from the waist, using your top leg as a weight to take you into a Lying Twist. Hold for 10 deep, slow breaths. Repeat on the other side. Keep shoulders, arms and core muscles relaxed.
Scrap the Snooze
Health Benefit: Higher-quality rest
More than half of us set our alarm to snooze, but in fact, those extra few minutes won’t do your health or well-being any good. Set your alarm for the time when you really need to wake up. The reason? If you wake and doze, your brain will already be braced for the second alarm and it won’t let you dip back into the deep, restful stage of sleep. To feel well-rested, it’s much better to get an uninterrupted high-quality stint of sleep and then get straight up.
Good Morning
Health Benefit: Beat Fatigue
Instead of coffee, wake up with a cup of peppermint tea, its smell lowers fatigue and frustration. Worried you can’t function without a caffeine hit? People who start the day with a coffee are no more alert than those who don’t.
Mix Your Muesli
Health Benefit: Lose weight and feel great
Mix 8 handfuls of rolled oats, 2 large handfuls of ground bran, 1 handful of chopped dried apricots, 1 handful of chopped dried dates, 1 handful of crumbled walnuts, 1 handful of chopped almonds, hazelnuts or Brazil nuts, with plenty of skimmed milk and store in a large, sealable container in the fridge – it will last a good few days and you won’t be tempted to eat buttered toast instead. To serve, add more milk or yoghurt, plus some grated apple, chopped banana or berries.
Fresh-Air Fix
Health Benefit: Lowers blood pressure
That wonderful feeling of crisp air on your skin, the sounds of the birds in the trees…. Stepping outside makes us all feel better, particularly in the morning when it’s more quiet and tranquil. And it also brings with it a whole host of health benefits.
People who get a daily burst of vitamin G (what experts are now calling time spent in green spaces) have lower blood pressure and recover from illness quicker, thanks to stress-relieving benefits, which can last all day. A bit chilly to step outside? You can still reap the benefits by enjoying your morning brew of peppermint tea while looking out of the window.
Morning exercise is more beneficial than at other times
Try Your Trainer
Health Benefit: Get fit
Morning exercise is more beneficial than at other times. Those who reached for their trainers in the morning dozed off faster at night and had less disrupted sleep than those who exercised at other times.
One explanation is that the body releases stress hormones when you wake up, and working out in the morning counteracts them. People who exercise in the mornings are more likely to stick to it before that day gives you a raft of excuses.
The ideal morning workout is one you look forward to doing, whether that’s yoga, a gym class or swimming.

Wishing everyone a healthy life ahead with love
PriyA
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How to choose the right life and health insurance policy

02:36
How to choose the right life and health insurance policy


It is important to look at factors like claim settlement ratios, persistency ratios, the extent of premium increase with age, the insurer's reputation, etc.

Choosing the right policy is not enough unless you are buying it from the right insurance company.
Examining necessary factors initially before purchase saves the insured from unforeseen heartache later during the claim process.
While buying life insurance or a health insurance policy, many people do not consider the need to examine the credentials of the insurance company they are opting for, thus, causing disappointment in the long run.
As opposed to comparing only the premium rates corresponding to the coverage amount they promise, it is important to look at other factors including claim settlement ratios, persistency ratios, the extent of premium increase with age, insurer’s reputation, etc.
Buying life insurance
Agreeing to pay for a life insurance plan sold by a life insurance company means that you are relying on the company to pay the death benefits to your loved ones in the event of your unfortunate death within the policy period.
You choose the sum assured to make up for the loss of your income in case of death, thus, preventing any instance of financial instability for your dependents.
To ensure that the purpose for which you buy life insurance is served, you must check the following parameters before investing. 

  • Claim Settlement Ratio
Quick claim settlement is the hallmark of a good life insurance company.
The company must agree to pay the claim on time.
Before buying insurance, online or offline, it is important to find out the claim settlement ratio of your company declared over the past five years.
For greater clarity regarding the ratios, you may also log on to the Insurance Regulatory Development of India (IRDAI) site. 
  • Financial strength 
To pay off the claims made by the nominees of the insured, the company must enjoy a strong financial base.
A financially strong life insurer will have no qualms in paying off the death benefit to your beneficiary irrespective of how long you may have survived during the policy period.
Look at the financial strength ratings given by independent rating firms and prefer one that boasts of persistent financial solidity.
Check the solvency ratio of the company too as a higher solvency ratio highlights the company’s liabilities to pay off its liabilities.
  • Reputation matters 
The brand reputation of a company has a lot to do with its ability and intent to clear the amount that is due to its customers.
An insurer that allows scope for hassle-free claim settlement is better known among its prospective customers and enjoys more goodwill than its peers.
  • Buying health insurance
Including a health insurance plan in your investment portfolio has become more important than ever as medical costs continue to rise, and more people are diagnosed with lifestyle health problems and chronic disorders.
Health insurance plans are broadly classified into 'indemnity plans' and 'defined benefit plans'.
Based on whether you wish to buy a plan that pays off your hospital expenses or invest in a plan that pays in lump sum regardless of the hospital expense, you choose your insurer.

However, there are other factors involved in choosing the right health insurer. 
1. Persistency Ratio 
You must renew your health insurance policies each year either with the same insurer or with a different one.
A high persistency ratio reflects whether the insurer can retain its customers or not.
An increasing number of policyholders renewing their policies reflects the growing trust of the customers in the insurance company, thus, explaining a high persistency ratio.
2. Premium rises with age 
Buying a health insurance plan in the later stages of life involves higher premium payments.
However, the rate of premium increase is not the same in all insurance companies, which means that you must assess the next 10 years’ premium charges of various insurance policies corresponding to increasing age groups.
3. Incurred Claim Ratio (ICR)
A company can make claim payments on the policies they have sold.
The ideal ICR value must be 75 to 85 per cent.
While a high ICR is deemed favourable, it must not exceed 100 per cent as the latter would imply that the company gives away more in claims than what it collects as premiums.
A very high ICR means that the company would have to raise its premiums to manage claims better or change its product to survive and sustain its position in the market.
A low ICR means that the claim process is either complex or the company refrains from paying claims within the stipulated period.
4. Waiting period clause 
The terms and conditions of the waiting period differ in each insurance company, which means that one must compare the waiting period clauses before opting to buy a plan.
While the types of waiting periods remain more or less the same, it is the difference in duration that distinguishes one from the other.
5. Health check-up 
Some companies mandate a health check-up as a precursor to accepting your policy proposal.
This is to tackle the pervasiveness of lifestyle disorders that many people are afflicted with.
Suffering from pre-existing illnesses can change the policy premium and, hence, it is important to find out claim details about insurance companies that do not require their customers to undergo a compulsory medical examination.
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Illegal Things Practically Everyone Has Done

08:32
Illegal Things Practically Everyone Has Done

Breaking the law is something most of us strenuously avoid, but there are actually a slew of illegal things that even the most conscientious people do just about every single day—and usually get away with. These may be minor infractions we know we shouldn’t do (but make a habit of when we see everyone else doing it), or laws we break without knowing they are laws in the first place. Read on for 30 things you are probably doing that are against the law.

1. USING PUBLIC WIFI

You need to get online and spot an open network, so you hop on. Called “piggybacking,” this is a crime in many states, punishable by fines and even jail time in extreme cases. For example, in Sparta, MI, a man was arrested for checking his email from his car using a café’s WiFi and was eventually charged a $400 fine and 40 hours of community service.




2. SINGING 'HAPPY BIRTHDAY'



“Happy Birthday to You” is the most recognized song in the English language, according to Guinness World Records, but until 2016, it was illegal for you to sing it (at least to sing it on a recording or film). The song’s writers, Mildred and Patty Hill, had copyrighted it and the use of it was prosecuted until a ruling two years ago stipulated that the song was in the public domain.


3. USING A FAKE NAME ONLINE



When you just want to buy something online and they make you “register” or if you’re signing up for something you might be embarrassed to have found out, you’ve probably popped in some kind of generic name into the fields to avoid disclosing your real identity. Well, that’s against the law according to the Computer Fraud and Abuse Act, which was used to prosecute a Rhode Island prison guard in 2010 for creating a fake Facebook profile for his boss.


4. DOWNLOADING MUSIC



Though streaming services have made it less necessary to download albums, we all had our Napster phase where we scoured the service for obscure tracks and classic albums. You’ve probably still got a library of illegal mp3s buried somewhere on your hard drive—just don’t let Metallica find out about it.


5. DRINKING UNDERAGE

C’mon… Who hasn’t? You may abstain from alcohol for moral, religious, or health reasons, but it’s tough to find someone who has held off on having a beer before their 21st birthday due purely to respect for the law. 


6. PLAYING POKER WITH FRIENDS

Yep, your poker night could very well be illegal—though you’d have to be inviting some pretty high rollers. The Illegal Gambling Act of 1970 states that it has to have revenue of more than $2,000 for one day of gambling to technically break the law. But it’s not impossible that a long night of high-stakes Texas Hold Em could lead you down that path of illegality. 


7. EATING SOMETHING BEFORE YOU BOUGHT IT

You’re dying of thirst and have a drink in your hand that you’re planning to buy. You know you’re going to crack that open and enjoy it as you do your shopping, rather than wait to fill your cart with everything you need first. Just as long as you pay for it when you get to the register, chances are low that you’re going to run into any issues.


8. DOWNLOADING MOVIES AND TV SHOWS



This one you’ve probably done more recently. Whether trying to get the latest episode of Game of Thrones without paying for a monthly HBO Now subscription, or tracking down an obscure movie you can’t find on streaming services, we’ve all acquired a movie or show we had no legal right to.


9. SHARING YOUR PASSWORD

Maybe you tried to save a friend from having to illegally download movies by sharing your Netflix password with them…and in the process broke the law yourself. It’s actually considered a federal crime to share your passwords for subscription services—not that you haven’t already done it.


10. USING YOUR CELL PHONE WHILE DRIVING



This one’s a bit more serious than most of the laws on the list so far, in that it can actually get people killed. But many of us are still getting over the habit of checking our texts or chatting on the phone while we’re behind the wheel. Thanks to Werner Herzog and other public service messaging, we are finally putting the phone down, but the bad habit persists. 


11. NOT UPDATING YOUR DRIVER LICENSE WHEN MOVING

Most states require that you alert your Department of Motor Vehicles that you have moved, and some are stricter than others. But when you are moving to a new state, is getting to the DMV office really the first thing you are going to be worrying about? Probably not until a year or two later when you get fined for it.


12. SHARING MEDICATION

You knew that old bottle of Vicodin you got for your foot surgery would come in handy someday, and sure enough, your buddy who was visiting threw his back out and couldn’t make it to the doctor’s until he got back home. But even if it helped him get through the return flight with a lot less pain, you were breaking the law by helping him out.


13. JAYWALKING

This is illegal in pretty much every city, but enforcement varies widely. While Los Angeles makes a lot of revenue by ticketing those who cross the street illegally (though no longer for those who enter a crosswalk after a countdown signal starts) while New York City barely acknowledges it.


14. SMOKING MARIJUANA

While laws are changing fast from one state to the next, you’re still more likely to be breaking the law when you light up than not. According to a 2017 poll conducted by the Marist College Institute for Public Opinion, a majority of Americans said they have tried marijuana “at some point in their lives.” Forty-four percent of Americans say they currently use weed.


15. NOT GETTING A LICENSE FOR YOUR DOG


Almost all states require that you register your dog, showing that it is up to date on its rabies shots. And anyway, you should keep you dog healthy:


16. POSSESSING A PERMANENT MARKER

Anti-graffiti laws in states such as Florida and New York make it illegal to possess “aerosol cans” and “broad-tipped indelible markers” on your person. Chances are that if you are found with them, they would just be confiscated rather than resulting in jail time or fines—unless you were using them when you were caught.


17. WRITING 'DISTURBING' MATERIAL

If you enjoy writing genre fiction or blog posts that could unsettle readers, you could potentially be in violation of laws in some states that prohibit the writing of “disturbing material.” A high school kid in Oklahoma found this out when he wrote a not-very-wise short story on his school computer that got him into hot water.


18. LITTERING

All right, if you’re a decent person you hopefully don’t do this too often, but we’ve all had dropped the occasional straw wrapper or apple core and just let them lie. It’s not that we felt good about doing it, there was just nowhere else to put it.


19. THROWING OUT CELL PHONES

Speaking of disposing of something properly, e-waste is illegal in many places due to the chemicals and nasty metals that they produce over the long run, which can end up in water supplies and cause other health risks. That being said, you were totally lazy and just threw your phone into the garbage when you finished with it, didn’t you?


20. DRIVING OVER THE SPEED LIMIT


When was the last time you actually went the speed limit? Though technically it’s illegal to exceed the speed posted on those signs, you’d be hard-pressed to find someone who doesn’t regularly go faster than they are supposed to. Unless they are…


21. DRIVING UNDER THE SPEED LIMIT


Also technically illegal, you’ve probably done this when trying to be extra careful of your driving or when you are trying to figure out if you missed a turnoff. You’d have to be going way below the speed limit to catch the attention of the police, but you would not be the first person to be cited for it.


22. TURNING RIGHT ON RED

While it’s legal in many states, some do not allow it—not that many people heed the law when they’re in a hurry and there’s no oncoming traffic. You have probably treated it like a Stop sign: coming to a stop, looking both ways, then getting on with your travels. As long as you didn’t do it in front of a cop car, you were probably fine.


23. ROLLING THROUGH A STOP SIGN

Speaking of Stop signs, this is a bad habit of anyone who has cruised through the suburbs trying to get back home after a long day or taken the advice from Waze that sent you going through Stop-sign-filled intersections that slowed you down much more than if you’d just stayed in the stop-and-go traffic of the main streets. It’s against the law but you know you’ve done it.


24. DRIVING THROUGH A RED LIGHT IN THE MIDDLE OF THE NIGHT

You’re driving down a wide open street in the dead of night when you get to a red light. You wait, and wait, and wait and it’s still red. After a minute or so, you should probably be ticketed for not just driving through and getting on with your drive.


25. DOING A U-TURN WHEN IT’S ILLEGAL

Like the “Midnight Red,” sometimes you just need to be going the opposite direction from whence you came and there aren’t many options for doing that. Are you really going to just keep driving for another mile hoping a U-turn sign will pop up, or attempt one of those right-right-right horseshoe turns, or are you going to do the easy option of flipping a U-turn when you’re not supposed to?


26. ROLLING THROUGH A STOP SIGN ON YOUR BIKE

If you are a bike rider than you have absolutely done this before, looking both ways then cruising through the Stop sign to get on your way. Nine times out of 10 you won’t run into any issues, but be extra sure there are no cops around, just in case.


27. NOT WEARING A SEAT BELT


You don’t want to make a habit of this, but we have all done it. You hop into your car and know you are just going a few blocks, and forget to buckle your belt. In most cases this is no problem, but remember: A majority of car crashes occur within five miles of the victim’s home.


28. PUBLIC INTOXICATION

Another kind of law-breaking that we’ve probably all done: public intoxication. Laws vary from one state to another about what constitutes being “too drunk” in public and the consequences of doing so (for example, in Indiana, it can mean up to 180 days in jail and a $1,000 fine; in Texas you’ll pay no more than $500), but there’s a good chance we’ve all bent, if not broken the rule.


29. DRINKING IN PUBLIC


Beyond being fully drunk in public, simply having a drink in your hand is against the law in most of the country. While you may not be the type to brown-bag it while strolling through the neighborhood or even to keep a flask in your pocket, you’ve probably taken your drink from the bar onto the sidewalk on a nice day once or twice.


30. MAKING A MEME

Well, making a meme with media that is not in the public domain, that is. Which is most material that you’re likely to see in memes, such as movie and celebrity images. But while using copyrighted images may put you in some potential legal trouble, the “fair use” rule can probably keep you out of it. Beyond copyright, you can also be sued by the subject of the meme—if it’s a really mean meme.
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10 Tips For a Stronger and Flatter tummy

08:50
10 Tips For a Stronger and Flatter tummy


If your belly is the one place where fat just won't disappear, while there's no magic one-step cure, here are some must-dos that are proven to whittle your middle.

Move Faster
Unfortunately, there isn't one exercise or piece of equipment that will spot-reduce fat from your belly. What you need to do is fast-paced cardio to burn calories, which will reduce your overall body fat and slim down every part of your body, including your tummy. Skip the leisurely walks with your dog, and choose the types of cardio that burn the most calories, such as biking, running, and jumping rope. Do 60-minute sessions five times a week to really notice a difference.

Include Short Bursts
Basic cardio isn't enough. In order to target the waistline, interval training is a must. It involves mixing up your regular pace with fast-paced bursts. Here's a 40-minute workout perfect for newbies that incorporates two-minute sprints with one-minute walking recovery intervals. Running isn't the only way to do intervals. They can also be done when biking, swimming, jumping rope, or even dancing. Doing hill repeats is also a form of interval training that as a bonus will also tone your tush.

Get Strong
While crunches alone won't trim your middle, you don't want to skip them altogether. Once you're incorporating cardio regularly and the fat starts to melt away, you want to reveal toned abs underneath. Complement your cardio with strength-training sessions that include core work such as these plank variations, these core-carving yoga poses, or this 10-minute ab workout using hand towels. Simply balancing on one leg on a BOSU will target your core too.

Avoid These Foods
Being overweight or having weak abs isn't the only issue causing your pudgy tummy. If you're having digestive issues, a bloated belly can also make you look plumper than you are. It helps to avoid foods that are known to cause bloating like dairy products and high-fat and high-sodium items. Skip chewing gum since it causes you to swallow air, and you'll also want to turn away carbonated beverages such as seltzer and beer since they release carbon dioxide, which can translate to bloat. For instant relief from bloating, try this yoga sequence.

Say Yes to These

Constipation is one cause of bloating, so be sure to get enough fiber per day (25 to 30 grams) by eating avocado and these other high-fiber foods. Drinking enough water is also key to keeping things moving along. You'll be pleased to hear that blueberries are proven to diminish belly fat as well as pineapple, so sip on flat-belly smoothie or crunch on flat-belly salad to keep you regular and help you debloat.

Don't Skip This
Definitely don't pass over the first meal of the day, since eating within an hour of waking will jump-start your metabolism, helping to reduce your overall body fat to reveal your slimmer middle. Pass on sugary, refined-carb meals, and opt for a combo of protein and fiber-filled complex carbs. The protein will give you energy, so you'll feel pumped for that early-morning cardio workout, and it also helps build muscle. The carbs will sustain that energy and keep you feeling full. If you're short on time, smoothies are quick and satisfying, as well as overnight oats, or make a batch of these apple ring pancakes the night before, so they're ready to enjoy with some scrambled eggs or yogurt.

Snack Time!

Including two snacks between your three main meals is also a must. Eating a little something every few hours will stop hunger from causing you to overeat, which will prevent weight gain. Keep it under 150 calories, and choose foods high in protein and fiber to fill you up and offer energy. Here are 150-calorie homemade snack ideas like these almond-cherry chunks of energy.

Keep Track

Knowing how many calories you're taking in and using up is one way to keep you honest about weight loss. Though it may seem tedious, keeping a food journal works because it helps keep you accountable for every bite. In fact, one study found that those who logged what they ate six days a week lost twice as much weight as those who only kept track of a day or less. In order to lose a pound a week, you need to cut 500 calories a day — 250 through exercise and 250 through diet is a good breakdown. Just be sure not to dip below 1,200 calories, since not consuming enough calories will make your body hold onto fat.

Hit the Hay
Getting enough rest is also proven to aid in weight loss, which can help slim your waistline. Sleepiness makes people snack more, consuming extra calories, while also making them too tired to work out. Wind down 30 minutes before bed, avoid using screens as they stimulate your brain, and hop in bed early enough so you're asleep at least seven hours before you need to wake up.

Be Kind

We're all born with what we have, and if genetics blessed you with an apple-shaped body, you can do what you can to eliminate that extra belly fat, but don't beat yourself up about it. Skip the morning stare-downs in front of the mirror, pinching that extra inch, and slip on clothes that flatter your figure. If you're a mom, be extra kind to yourself — flab, stretch marks, and all! Although your tummy may not be as taut or smooth as it was before pregnancy, the sheer fact that it was the first home to your son or daughter makes it beautiful.
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