6 Reasons to Work With a Personal Trainer to Achieve Your Health and Fitness Goals

We all have physical facets of ourselves that we wish we could change or improve. Do you have a little extra weight to lose? Do you wish you could run faster? Is your blood pressure a little too high? Are you carrying a little extra weight in your mid section? Do you want to run a 5K? Do you wish you were stronger? Do you have high cholesterol?Here are the top 6 reasons why you should work with a personal trainer when looking to work towards your health and fitness goals:1. Credentials: Personal trainers have the education, certifications, and experience to design safe and effective workout and nutrition plans to help you achieve your fitness goals. They are experts!2. Specificity: Personal trainers will design a program specific to your goals, needs, and current fitness level. It is all about you. Don’t get your workout from a random website or fitness magazine, those are general workouts that probably are not appropriate for you. Furthermore, a program that is not designed specifically for you may lead to injury.3. Attention: Personal trainers are there to monitor your progress, or lack thereof, and make the necessary adjustments to your plan to keep you on track toward achieving your fitness goals. Because of this attention they are also available to address your specific issues and questions.4. Motivation and Accountability: Personal trainers are there to motivate you and hold your accountable for your success. Too often we are discouraged when we don’t see immediate efforts or get caught up in our busy lives with work and family. Trainers will make sure you are doing what you need to do to improve yourself. No excuses!5. Dedication: Personal trainers want you to succeed. They want you to meet your goals. It is why they are in that line of business. They will do everything they can to support you on your fitness journey.6. Success: For all of the reasons above you are more likely to succeed. The knowledge of your trainer, specificity of program design, personal attention, accountability and dedication will guarantee you will have a successful fitness journey!So if you have a personal health and fitness goal you have been struggling to achieve consider working with a Personal Trainer. I guarantee you have a greater chance at success if you do!

Gambling Addiction – Do Something Before It Goes To Far

In recent years, researchers have been doing work to try and identify what causes gambling addiction. Like alcoholism and smoking addiction, gambling addiction can cause often life altering problems for a person if the problem goes unchecked. Most studies show that gambling problems arise because of a couple of things. Either that person has issues with competition and must be in the “action”, or the person has deep rooted problems with money. A less than fortunate childhood can sometimes prompt people to begin to gamble.

Compulsive gambling can be dangerous because it strips the compulsive gambler of all sense of reality. In a regular setting, they would never be alright with losing thousands of hard earned dollars. When they sit down at the poker table, however, it somehow becomes OK to lose this amount of money. This dangerous self-convincing act is what fuels gambling addiction to points where it becomes dangerous. As people lose touch with reality, they begin to lie, break relationships, and even deceive themselves. All of these things are extremely dangerous issues and can lead a person to do things that they normally would not.

Losing a big chunk of money is not even the worst thing that can happen to a person because of a gambling addiction. When people begin to get desperate, as gambling often causes extreme desperation, they will do almost anything to dig out of that hole. This can lead to crime, which simply compounds all of the problems that they are facing. Many gamblers have to fight off depression as they feel terrible about the pain they have caused themselves and their families.

Because gambling addiction is such a mental issue, hypnosis can be a successful treatment option. Hypnosis is known to help people regain their sense of reality and it can help people to have a different outlook on life. These are needed when a person is in the throws of a gambling addiction. Many people never consider hypnotherapy because they see it as something that is done on a stage in Las Vegas or something that only happens on television. Those messages are false, as hypnosis is a very real way to treat ailments like gambling addiction.

If you are suffering from a problem like gambling addiction, then you should consider hypnosis to help you get away from it. I have been serving clients for years that have successfully broken gambling addictions and other addictions with the help of hypnotherapy. Get the information that you need and change your life.

How to Become a Property Financier

Why should you become a property financier? To answer that I need to ask you another question. Why do you invest in property?You probably have the following three reasons.1. It gives you chance to make outstanding profit potential through using your bank’s money2. It provides you with a steady monthly cash flow; and3. Provided you buy sensibly it is a safe investment!!!However you also know what are the absolutely worst things are about being a landlord.1 You have to put up with annoying tenants and pay the costs for all repairs to the property after they have trashed it!! There are also other large costs involved in owning property.2. You can tie up a lot of cash – as much as 20% of the value of the property.3. Property cycles can last as long as 20 years. We are now in the middle of a housing bust. If you have bought or are thinking about buying now you might not see much cash from your property until you sell in the next 10-15 years.In short, although I love property, it also has its headaches. This is why I love being a property financier!! It gives you the freedom of investing in the safe property asset class and provides you with fantastic monthly cash flow. So what is property financier. In short it is a person, or group of people (commonly called a ‘syndicate’) who lend money to property developers in order for the developer to use the funds to build a new property or to improve an existing property to significantly enhance its value.For example the property developer finds a site to build a house on. He knows he can buy the land and build the house for $200,000 and sell it for $350,000. The developer takes his plan to the bank who like it and provide him with 80% of the funding for the project (just like Buy to Let mortgages, a bank will not provide 100% funding) on the basis that the bank will take a first charge over the property. The developer therefore needs to obtain a further $40,000 in funding.This is where you come in.You look at the developer, the site, the plans and the area and think that this house will have no trouble for selling at $350,000. You agree to lend the Developer (or lend part of the money in a syndicate) the $40,000 on the basis that you receive a second charge over the property after the bank (this basically means that if the property is sold, the bank is entitled to its money first and then you are entitled second). Because you are taking a second charge, your risk is greater and therefore you are entitled to charge a high rate of interest on your $40,000.This is the juicy part!!!Typically, as a private investor you will be looking to receive 2-4% per month on your money. 4% on $40,000 is a whopping $1,600 per month you will receive in your pocket, every month for the life of the loan. Now that is what I call explosive cash flow!!! And what have you done – nothing other than carefully check out the investment and the developer. Of course you don’t get to keep the property at the end of the project, but you do get your money back plus a dynamite return and you did not experience one property related hassle!!! Your investment is also fairly safe in that you will have carried out your due diligence on the project AND you have the second charge.
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