Finding A Reliable Personal Trainer To Help You Achieve Your Goals

To reach your fitness goals, one of the most important decisions that you need to make is whether you should train by yourself or get the services of a personal trainer. Most people have found success with each option. However, if you are still undecided on this matter, here are a few benefits of personal training that you should know which should help you make an informed choice. Since you can already find plenty of information about diet and exercise and even download apps related to both, you may decide to just train by yourself.

However, the downside of having such information available is that you can feel overwhelmed. Sometimes, the information you find may conflict with one another. Plus, some of the information you gather may not be exactly be suitable for you as these may be geared for advanced exercisers or they simply do not account for your unique needs and circumstance. With the help of a personal trainer, you can attain faster results because he or she will tailor an exercise program based on your goals, current skill and fitness level, as well as other factors like your time.

If you have practically zero experience in exercising, you might scratch your head the minute you enter the gym. A good majority of injuries can be attributed to the improper use of equipment as well as improper technique. With a personal trainer beside you in your journey toward improved fitness, you can minimise the chances of getting injured because you have someone who can check your form.

Furthermore, through proper exercise programming, you are most likely to avoid injuries related to overtraining some body parts. When you are just starting out, you will make substantial gains in your fitness level. However, the more advanced you become, the more likely that you will see such gains trickle in. If you are convinced that personal training is the best option for you, you should learn how to hire a personal trainer.

When you hire a fitness trainer, you should be willing to follow what your exercise program demands of you. Whether you want to lose weight or improve your athletic performance or simply look good, you have to temper your expectations with reality.

And lastly, a good personal trainer is not just a cheerleader. He or she can also be your critic. If you are open to suggestions and are ready and willing to listen to feedback, you can take your fitness to a different level and be able to reach your fitness goals in no time.

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How to Start Investing Today With the Money You Spend Right Now

Many people enter a job market right after school and jump right into life feet first. Money comes in from a job, then goes right out to liabilities, food, entertainment… all necessities and pleasures in life. This is often called being stuck in a “rat race”. Every month is the same thing… money comes in, money goes out. Once you’re stuck in it, it’s very difficult to get out. But not impossible.

Now, money you make in your job is dependent on your ability to perform a task or function and amount of time put into that task or function. Essentially, it is trading time for money utilizing a learned skill. But this can’t possibly go on forever, can it? What happens when you get too old to perform these same tasks required for a job?

Unfortunately, for some people it goes on for a very long time. And when people who don’t invest in things that will bring in income whether they work or not can’t work any more, they don’t have anything to help them live as comfortably as they are today.

Until most people get into a career job that offers good benefits (including a 401k), money is rarely put toward investments. Money is made and spent as fast as it’s made, giving a person necessities and comforts of life at the time – and then some, but not allowing much for a prosperous future once job income stops.

Everyone at some point in their life must face the reality that a job is not going to give them everything they want or need in life – especially a life after retirement age. Investing is something best figured out early in life.

To understand how important investing is, you must first understand what investing is. An investment is a method of making money from a one-time effort. Sometimes this effort can be intense and take some time, but it can provide income for many years to come without having to put forth that same effort or time.

If you do a bunch of research to buy a house to use as an investment, you only have to do that research one time. Once you buy an investment, it will make money for you with very little effort. If you write a book and put it on a website to sell, you only had to write a book one time and it will make money for as long as it is active on the website or in a book store. If you research a company stock and find a perfect one, investing some money in it, money then starts doing work and making money without you having to do anything.

These are just simple investment examples that do take some effort. The point is that making money from investments is a lot easier than making money at a job if you know what you’re doing. A huge difference between an investment and a job is how much time …

How To Get Approved For A High Risk Motorcycle Loan And Financing

Are you in the market for a motorcycle, but have bad credit and need a high risk motorcycle loan? Well don’t worry the goal of this article is provide you everything you need to know about getting approved for a high risk motorcycle loan.

First you must understand how motorcycle lenders go about classifying you as high risk. On the average, when a motorcycle lender is looking to approve any motorcycle financing they have a much higher cut off in the credit score range than an auto lender. This exists whether you have good or bad credit.

So with that said an auto lender may approve a FICO credit score of 610 as not a high risk, but a motorcycle lender would most likely classify a FICO credit score of 610 as a high risk motorcycle loan and may not offer an approval on it.

There are two reasons for this:

1. Motorcycles are much harder to repossess in good condition than an automobile. As a result of this simple fact, if you default on your motorcycle loan it is a higher risk to the motorcycle lender than an automobile lender because it is much harder to repossess a motorcycle in good condition than a car.

With all the new motorcycle riders entering the industry there is a high incident of some form of minor or major damage on many motorcycles, which translates in to a lower amount per unit a lender gets when they repossess a motorcycle for a customer that chooses to get bad credit over paying for their motorcycle loan. The damage could be from the repossession agency or the actual owner but the simple fact is motorcycle fetch much less at repossession auctions than automobiles.

This simple fact is one reason good and poor credit motorcycle loans are offered at much higher interest rates than a car and has an overall lower approval percentages when compared with cars.

2. The average motorcycle tends to depreciate very fast. Since motorcycles have higher accident rates and there are many people who once they crash do not pay off their loan, this results in higher defaults for motorcycle lenders. This is another reason motorcycle loan rates are higher and motorcycles are hard to get approved for.

Ok, now that you have a background in how a motorcycle lender views a motorcycle loan, let’s look at how you can get approved for a high risk motorcycle loan.

Step one is to really understand your credit report and credit score. Sure if you are looking for high risk motorcycle financing, you probably have had some credit issues in the past. But you never know how those credit issues played out on your credit report until you get a copy of it.

Take a look and make sure everything reported on your credit report is actually true. See every year 1000s of people just like you find creditors made errors on their credit report, which negativity impacted their credit score. If …

Why Selling Life Insurance Is Better Than MLM Or Network Marketing

People tend to buy what they want and what they need. But no body wants to buy Life Insurance but it is bought because it’s needed. MLM typically sells the newest and the latest and greatest idea, thing or concept. People will buy it in hopes that they can use the product as a visual aid to get others to make a similar purchase.

A huge difference with Life Insurance is that you really cannot buy it you can only apply for it to find out later if you have been approved. People are more likely to fill out an application for Life Insurance to see if they qualify in hopes that they can receive its protection. On the other hand with MLM’s it’s all about buying the dream. But the dream is never real. In other words no matter the product or service in MLM it is never a need. MLM’s do not feature anything that you must have. It is all about the emotion just wanting more. The MLM sale is more about the imaginary hype than the reality of the experience.

We Know We All Die

In this world we all die. The only way to get out of here is to die. Reality says that when we die someone will be left to mourn our death. Reality also says that we must be buried and with that comes an expense. If we do not prepare for the inevitable it can create a hardship for our family members thus interrupting the mourning period. To not apply for a Life Insurance policy is like not caring about your family and what burdens may come there way without you.

MLM do not have that kind of power. Cell phones, lotions potions and pills, legal services, water filters, make-up, to name a few, are all being sold as MLM products. True if your car breaks down in the middle of the night having a cell phone would be a great idea. Being told by a judge to not return to court without a lawyer makes having a legal plan essential. However, when the need runs out will we still keep the product? With Life Insurance the need only gets filled one time. The plan is designed to protect us on a daily basis because no one can predict when there own death would occur.

The Unexpected Happens Unsuspectingly

Death is always unexpected. At the writing, a week ago I watched on the news as a teenaged boy makes the winning basket in a high school basket ball game and then drops dead minutes later. How sad, at a moment when he, his family and friends should have been celebrating they all turned into mourners unsuspectingly. Believe it or not Life Insurance is not sold for that reason.

Life Insurance is sold for what it does not for what it is. In the headlining story preceding this paragraph what do you think is most important to the family? After the sons …

Gift Basket Business Earnings and Profits – Can You Make a ‘Six Figure’ Salary?

The profit potential of the gift basket business is kind of blurry to some before they get started and they could be forgiven for wondering if a full-time income is possible. In this article we look at the profit potential of the gift basket business, how much earning and profit are possible, and lastly we look at the factors that separate the ‘six figure’ operators from the small timers.

Typical Gift Basket Business Earnings

For gift basket business owners operating out of their homes it is not unreasonable to expect to turnover between $15,000 to $25,000 in the first year of business if they work hard allowing for a profit of around $6,000 to $10,000. Once a business in this industry gets better established owners can expect a typical annual salary of around $20,000 to $25,000 part time or $30,000 to $80,000 full-time.

To break into the ‘six figure’ level companies usually have to expand out of the home business model and move into commercial space. Many gift basket businesses allow their owners to take home an income of over $100,000 a year and for some players in this business much more has been possible.

What does it take to Earn ‘Six Figures’?

1) While some business owners in this industry do very well from home, only with commercial premises can you really get the space and facilities to take your gift basket business to the next level. A store front will also increase your market exposure and give your business a much more professional appearance.

2) The successful players in this business control the Internet and make it a key part of their marketing strategy. This involves refining their websites until they offer customers the perfect shopping experience and the easiest ordering process. Understanding how to drive large numbers of targeted visitors to a website is also important.

3) Referrals and repeat orders are one way to acquire new customers for no advertising spend. By showing clients a high standard of service and making their experience with your company truly unique you can benefit immensely from word of mouth marketing.

Mistakes in this business can be unforgivable and cause you to lose clients. Put systems in place to ensure that you have fool-proof ordering and delivery systems.

4) The winners in this business all have extremely well thought through sales and marketing plans. They understand the market well, develop the right products and use the appropriate methods to market their products. Some high earners have devised sales processes that bring in corporate clients and they thrive in this area.

5) The top performers have a core product range of baskets that they know sell well but they also continue to innovate and try new things.

6) Branding is also important for building business value over the long term. A recognizable brand makes sales and marketing a lot easier than it is for a newly established brand. Brand development takes time but is well worth the effort.

7) Lastly, knowing …

Is Being a Personal Trainer a Recession Proof Profession?

As a response to the Global financial crisis in 2008, the Conservative party led coalition government of the United kingdom have embarked upon a financial policy of strict austerity for the last few years. Whether you agree with this policy or not, their intention is to cut government spending and the deficit, with the ultimate goal of getting the country into a position where it is able to eliminate the budget deficit altogether. They have used the slogan “In it together” both as a reference to their unlikely coalition cooperation and to the hard austere times the people of the UK would have to endure for better or for worse under their government. The measures have damaged many small and large business as well as entire sectors and seemingly nobody was passing through completely unscathed.

However certain professions are said to be “recession proof” in that they will always be needed regardless of how the economy is doing because they provide a service that is vital to people’s everyday lives. Furthermore there are even professions which will specifically benefit from hard economic times like bailiffs, bondsmen and even in some accountants. A profession I would not have expected to find on this list however would have been personal trainer. I would have assumed that in hard economic times people are much more concerned with feeding their families and paying the bills than they are with getting shape and working on their fitness. Apparently however, I would have been dead wrong.

So far as I can tell and the evidence suggests, personal trainers are thriving, providing personally tailored fitness advice and training is a real growing industry. All you have to do is look on any job search website to see the dozens of adverts posted all looking to hire personal trainers. Looking for a reason for this the first thing that came to my mind was that perhaps the trend of people taking more of an interest in their fitness and appearance was outstripping any possible damage being done by the economic conditions of today. Perhaps they would be doing even better in more prosperous times thanks to a new increased emphasis, particularly on men to work on their bodies and improve their physical fitness. However then I thought maybe the reason for its apparent immunity to recession is because it is simply not linked so strongly to the economic fortunes of the public as one might think.

Because another important angle to consider could simply be that those who might have been inclined to hire a personal trainer do not overlap much with those feeling the pinch of austerity. Which is to say that anyone who could afford the services of a personal trainer, which is of course something of a luxury, must surely be more financially secure than to be too badly inconvenienced by the global economic downturn. This might be a simple imaging of the more wealthy but it certainly stands to reason that the austere conditions …

How Do I Find an Honest Commercial Hard Money Lender?

Hard money lenders have become popular as an alternative means of funding a loan when the bank turns you down. Hard money loans have their upside in that they provide you with a ready means of money. On the other hand, lenders can be notorious for hiking their rates as high as New York skyscrapers and beyond. Unscrupulous lenders can send you into a dive of unending debt and grab your property after you fall. So, one of the popular Google search terms on hard money lending is: "How can I find an honest commercial hard money lender?"

Here's how.

What is hard money lending?

The concept is simple and, actually, quite useful once you get the hang of it. Hard money lenders loan money to people who otherwise would not be able to these funds. Examples include if you're deeply in debt and need to rent or buy a home but can't get the money to move because your credit report is low. Or you want to start a business but can't land a loan because of your credit report or other reasons. This is where the Good Samaritans appears in the form of these lenders and they may fork you the required money.

Hard money lenders deal with different kinds of loans ranging from residential to commercial and almost anything in between. Their approval depends on the value of your collateral. Each money lender sets his own fees, drives his own schedule, and has his own requirements for determining your credibility. Each, too, carries certain loans that others won. Banks refrain from offering hard money loans; they're too risky. Hard money lenders will give you them. They're willing and mostly able to take the risk.

Other advantages of getting a hard money loan

You'll also find hard money loans wonderful in that the process is so much simpler than the traditional mortgage system. All you'll need to do is make an appointment; answer some questions; provide some credit to lenders who ask for it; and demonstrate the value of your property as collateral. The lender assesses the value of your property. If it looks sufficiently valuable, he or she may advance you the loan. Loans usually take less than ten days to come through. Typically, you'll receive the money in three or fewer days. If you know the money lender, he may give it to you that same day. This sounds wonderful if you need that money now!

The process is also far simpler than the complicated underwriting process that is done under normal conditions. When applying for the hard money loan, you have to sign and complete far fewer forms and some money lenders will overlook your FICO score.

Thirdly, banks cap your loans minimizing your money and limiting you on your property requests. Some hard lenders may cap your loans too, but you'll find many who will consider complex-collateral requirements and properties that involves tens of millions of dollars. The bottom line for the hard lender …

Thinking of Starting Up Your Own Bank Or Financial Institution?

Bank Ownership Offshore

Offshore bank ownership solutions include a New Zealand Finance Company, an EU Registered Trust Company, a Panama registered Forex Brokerage, or a Closed End Fund registered in the British Virgin Islands.

Each of these bank ownership solutions can be set up in tax advantageaged manner in tax advantageaged jurisdictions.

It is possible to set up a tax advantaged banking solution and to be able to offer traditional banking services including the provision of checking and savings accounts, certificates of deposit, trust account services, wire transfer services, credit and debit card services, and trust account services.

The rules and regulations vary front one jurisdiction to another. However, it is perfectly legal to set up an offshore banking solution in any of several jurisdictions world wide, taking advantage of the laws of that country. In general, it is possible to find jurisdictions when one does not to provide the capital reserves required of a traditional bank in the same country.

Not All Offshore Banking Solutions Are the Same

If you are considering banking offshore talk to an offshore expert because not all offshore banking solutions are the same.

The world is full of decent offshore banking solutions and there are a handful of exceptional offshore banking solutions. Why not go with the best and most professional choices?

You should work out the best offshore banking solution in your choice of jurisdictions. Offshore shore banking in tax advantaged jurisdictions can save you money. Offshore banking can be very discrete in an increasing intrusive world. Offshore banking can be safe and profitable.

An offshore banking solution should save you money, guard your privacy, and protect your assets.

Offshore Banking Solutions: Closed End Funds

One of the many offshore banking / financial institution options is to start and run you own closed end hedge fund. An offshore expert can help you explore the opportunities involved in such an investment and its relevance to your personal needs.

An offshore closed end fund option is in the British Virgin Islands. Such a fund invests pooled assets, charges management fees, and, typically, receives performance fees on profits.

The British Virgin Islands are a tax Advantaged jurisdiction for such an institution. Reporting requirements and the attendant overhead are minimal in the British Virgin Islands helping to hold costs down.

Such a fund can engage in investments and trading world wide without excessive reporting requirements to local institutions. This is a tax advantageaged location. You can seek advice about the pros and cons of starting a British Virgin Islands registered closed end fund. It is also possible to obtain the technical support required to successfully run a closed end fund in the British Virgin Islands.

A closed end fund can be a very successful undertaking if properly set up and managed in a tax advantaged, low overhead location.

Offshore Banking Solutions: Forex Brokerage

An attractive offshore banking / finance option is to set up a Forex brokerage in the country of Panama. This is a tax advantageaged …

Is There Insurance That Protects a Business Owner From a Strike?

Even if you are only a little tiny-bit news savvy, you are probably aware of the breaking news about how politics is affecting a business. When an online company won a contract with the government to supply detention centers in Texas with bedding furnishing, no one would have imagined the upheaval?

Employees of the online furniture business voiced their disapproval via a thoroughly disruptive strike.

Notwithstanding that the decision to do business with the detention center was based on the commercial advantage of gaining profit and that in place of sleeping on the floor, the children at the centers would get actual mattresses and beds, the company’s employees determined that the transaction would make a statement of approval for detaining those illegals that were unlawfully attempting to cross the border.

The result of the walkout is in no shape or form good for business and as the refusal of employees to return to work continues it only gets worse and worse.

But while worker strikes occur within many industries – from teachers, hotel staffers and garbage collectors to nurses, hospital and aging home workers and other business employees – there is one common thread connected to the broad diversity.

It can bring extensive financial loss to the boss and his or her corporation.

And while there are a slew of insurance products that actually protect the business owner, there is only a specialty type of coverage that can shield a company from the devastation related to a workers’ strike.

It’s called Strike Insurance.

A strike insurance policy can only be bought separate of a business owners policy because it is considered specialty coverage.

It is best to sit down with an insurance specialist to determine if your business would actually benefit from this type of coverage.

As far as protection is concerned, the policy would cover the financial losses related to a continuous strike. Should your business suffer the effects of an employee strike, you would be compensated for day-to-day loss of income and monetary damages related to the walkout. Be aware, though, that policy limits apply and a strike that sees no end would also not be subject to an infinite duration of coverage protection.

For more on this type of special coverage, contact an experienced insurance agent that has the know-how and network of leading insurance companies to locate the right fit for your business situation – at the best quote.

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Fatal Flaws in Your Business Plan

A business plan is the blueprint that guides aspiring entrepreneurs as they build their new business ventures. From 2008 – 2010, I taught a 20-week business plan writing course at an SBA-affiliated women’s business development organization. We met for three hours each week and students wrote their plans week by week, guided by the lessons.

When evaluating a business concept, unrealistic expectations or flawed thinking could creep in and undermine the planning. Excitement about the idea might distort one’s ability to see potential obstacles. What follows are scenarios that entrepreneurs-in-the-making should beware.

Unrealistic expectations

While it is sometimes true that using yourself as the ideal customer is a smart idea, since you understand the value and availability of that product or service, you might misinterpret the size of the market and the traction that can be achieved beyond a select group of true believers.

Insufficient information

Confirm the need for your products or services when you research and verify the number of potential customers who have the money and motive to buy from you.

Furthermore, make sure that you understand the buying process. Who green-lights the sale? What is the sweet spot price range? Lastly, where do potential customers obtain these products or services now?

Access to customers

Access to customers is everything and some industries or target customers seem impenetrable. You may identify the right customers, understand how your products or services fit their needs and know how to price and deliver. But if potential customers do not have the confidence to work with you because you lack an endorsement from a trusted source, you’ll starve.

Overestimating cash-flow

Usually, businesses won’t achieve desirable gross sales and or show a net profit in the first year of operations. Businesses that require high start-up costs especially will require long ramping-up periods. The business plan must acknowledge the potential for negative cash-flow and demonstrate how fixed and variable expenses will be met during that time. One must know how inventory will be financed, payroll will be met and office rent will be paid.

When writing your business plan, conservative financial projections are strongly advised. Customer acquisition may take longer than expected and the size of their purchases may initially be small. Moreover, it’s possible for a venture to be profitable on paper and still suffer from cash-flow problems, if customers do not pay on time.

Underestimating start-up costs

Developing a reasonable estimate of how much it will cost to get the venture up and running is essential. You must be prepared to meet the cost of all permits, equipment, inventory and staffing necessary to conduct business. If you plan to hire employees, it’s important to have a good idea of your minimum staffing needs up front (you can hire more as revenues increase).

“Magical thinking” business model

The business model illustrates how your venture will become profitable. Well thought-out interactions between marketing, financial and operations processes will promote and sustain profitability and you must map out how these will occur. The business …