Using Statistics To Improve And Measure Business Performance

We don’t need to tell you that the global economy is going through some turbulence. The bottom line is that traditional sources of funding – banks, equity, venture capital – are becoming more scarce. Traditional funding is still available, but credit standards are much tighter. The importance of your business plan has increased significantly and using the right elements of a business plan process is critical.

Students are expected to scrutinize the case study and prepare to discuss strategies and tactics that the firm should employ in the future. Three different methods have been used in business case teaching:

There are countless money making opportunities on the Internet. For people new to making money online, the types of businesses can be confusing. They all make big claims but few explain what exactly the business is about. Learn what you might be getting into before you take out your wallet and buy into the dream of getting rich quickly

An externally targeted business plan should list all legal concerns and financial liabilities that might negatively affect investors. Depending on the amount of funds being raised and the audience to whom the plan is presented, failure to do this may have severe legal consequences.

This isn’t just for attracting funding it should be an inherent part of the business strategy. A good business plan that evolves with the operation is absolutely necessary even if the owner is not trying to attract funding. In a sector that has some of the highest attrition rates of all sectors you better have a restaurant business plan! It will help formulate the strategy and hone the business model to capitalise on market opportunities. Quite frankly it is a core activity for a business owner. It is scary the amount of people who watch 3 episodes Master chef and decide to start a restaurant without a proper business plan. An investor or bank will not even look at you without a business plan and from an internal perspective you will be putting out fires retrospectively without one. This will inevitably end in failure.

When you consider the best business opportunity to choose you must look at business models. Once you determine the business model you want to get started with you can begin to look at specific opportunities within that model.

Many fail to start because they wrongly believe that they have to find something completely unique and new – a breakthrough. This is wrong as most successful businesses develop from an existing idea and modify it, without any new invention or idea. The truth is that completely new things are perhaps the hardest to develop. You will now only have to set up the business but you may face an immense task selling something completely new. It is probably better to simply adapt an existing concept and to aim improve it, do it better, expand it, make it available locally and adapt it to meet the specific needs of your customers. You don’t have to invent or reinvent the wheel – its already been done!

Don’t be shy when extolling the virtues of your business in your business proposal. When you write a business proposal keep in mind that it is more a sales pitch then anything else. Make sure that you clearly explain how your business will benefit the potential client. Make sure your proposal hammers home the benefits in terms of:

The whole planet is your marketplace with the invention of the world wide web – but what products/services can you persuade somebody to buy Virtually every business has some competitor(s) – how can you hoover up your competitors customers? How can you avert your competitors taking your customers? Can you adjust your product prices up or down to match new customers – can you easily add or adjust the services you offer to new and existing customers to boost your turnover and profits?

It is not enough to buy what you want to cook and serve it up. Customer demands move constantly with the seasons and in some cases at a whim. The restaurateur must be highly reactive to these customer changes and also blend that with the prices of produce to ensure that the highest margin is achieved. This blend of customer focus and business savvy is a critical factor. If availability of pork drops then the prices of pork will soar, therefore eating into gross margin. The ability to take this information and still produce a finished product that makes money is a skill that all successful restaurateurs must possess. Quick retrieval and analysis of sales figures goes along way to ensuring effective business decisions are made in a timely manner. Similarly, marketing must be a pro-active process to ensure maximum exposure is a manner that is consistent with the restaurant image. All of these factors must be executed effectively to succeed.

Weight Loss Hair Loss Is There A Link Between Weight Loss And Hair

There are a few ideas as to why cider vinegar aids in weight loss. Some people believe that it increases a person?s natural metabolism, which makes out body digest and change food into energy faster. Other people have stated that cider vinegar actively burns the calories in your body to help you lose weight. Some reports say that cider vinegar helps cleanse the liver, which is an organ that can have a big effect on weight loss.

Natural weight loss methods are the healthiest methods for losing weight. With these methods you can easily become in shape without changing much of your lifestyle. The most important thing here is to make a firm decision on losing weight. At the same time, the natural weight loss program is incomplete without exercise. So you have to make sure you are into an exercise regiment too. You can do whatever kind of exercise you like ? the recommended ones are jogging, walking, cycling, playing some sport, working out at the gym etc ? but these will help you in burning some of those extra calories. Natural weight loss methods, through exercise and supplementation take a long time, but they have guaranteed results. Also, you will need to be consistent about them, and be confident that they will work just right.

As vegetarians do not consume high protein products like meat and fish, they need to substitute it by products like milk, soy bean or peas. In case of digestive problems, dairy products need to be replaced by soy based replacements of milk, cheese or yogurt. Vegetarians, while choosing food products, must also ascertain that the products are packed with Vitamin D, Calcium or Riboflavin. Consumption of whole grain products is also advised since it keeps hunger at bay, thereby playing a significant role in weight loss programs.

However, this does not happen overnight and it is imperative to your weight loss and control/prevention of diabetes. Because the exercise should be done every day there are some inherent dangers which can be induced by the exercise. The good thing is if you are aware of these dangers you can stay ahead of the game.

I’m sure you are quite aware of the fact that if your overweight your odds of developing Type 1 and Type 2 Diabetes goes up dramatically. You also know that we aren’t talking about a few extra pounds; we are talking about 20 plus pounds. In other words we are talking about being obese. One of the best ways for you to have weight loss and lower the odds of being diagnosed with diabetes is exercise. Exercise for diabetics is critical.

Simply giving up meat does not ensure weight loss since a large number of vegetarian products are packed with calorie as they are rich in either sugar or fat contents. A balanced diet is essential to check fat. Regular fat intake should not be more than 30 to 35 grams. High calorie dairy products like cheese and mayonnaise must be avoided. Regular servings of carbohydrate like rice, wheat bread, wholegrain cereal and oats should be included in the diet since these foods induce a feeling of being full leading to the avoidance of high calorie foods.

I would like to add an external link to the above topic referencing an article I wrote on the best of the various methods of weight loss which have worked for me in the past, The main topic of planning your weight loss, Thank you

The answer to your weight problem is already in your kitchen cupboard. It is apple cider vinegar. Yes, you heard right. Cider vinegar weight loss is an age-old technique: you do not need to pump your body full of chemicals or go on some crazy crash diet.

We all live in a real world, but many of us spend significant time in the virtual world of online systems. We view things on screens, we talk through the keyboard, we move about by mouse. It’s natural to look for systems and services to help us deal with the real world. That extends to weight loss.

Aside from weight loss benefits, cider vinegar is very healthy for you. It is naturally rich in vitamins and minerals, and can help with a number of medical problems and improve your general health. For instance, cider vinegar contains potassium, which helps lower blood pressure. It also has fiber, which can absorb the cholesterol that causes heart problems. Those are just a few things it helps with ? cider vinegar can also help with digestion, sore throats, arthritis pain and even diabetes.

Weight Loss Hair Loss Is There A Link Between Weight Loss And Hair

There are a few ideas as to why cider vinegar aids in weight loss. Some people believe that it increases a person?s natural metabolism, which makes out body digest and change food into energy faster. Other people have stated that cider vinegar actively burns the calories in your body to help you lose weight. Some reports say that cider vinegar helps cleanse the liver, which is an organ that can have a big effect on weight loss.

Natural weight loss methods are the healthiest methods for losing weight. With these methods you can easily become in shape without changing much of your lifestyle. The most important thing here is to make a firm decision on losing weight. At the same time, the natural weight loss program is incomplete without exercise. So you have to make sure you are into an exercise regiment too. You can do whatever kind of exercise you like ? the recommended ones are jogging, walking, cycling, playing some sport, working out at the gym etc ? but these will help you in burning some of those extra calories. Natural weight loss methods, through exercise and supplementation take a long time, but they have guaranteed results. Also, you will need to be consistent about them, and be confident that they will work just right.

As vegetarians do not consume high protein products like meat and fish, they need to substitute it by products like milk, soy bean or peas. In case of digestive problems, dairy products need to be replaced by soy based replacements of milk, cheese or yogurt. Vegetarians, while choosing food products, must also ascertain that the products are packed with Vitamin D, Calcium or Riboflavin. Consumption of whole grain products is also advised since it keeps hunger at bay, thereby playing a significant role in weight loss programs.

However, this does not happen overnight and it is imperative to your weight loss and control/prevention of diabetes. Because the exercise should be done every day there are some inherent dangers which can be induced by the exercise. The good thing is if you are aware of these dangers you can stay ahead of the game.

I’m sure you are quite aware of the fact that if your overweight your odds of developing Type 1 and Type 2 Diabetes goes up dramatically. You also know that we aren’t talking about a few extra pounds; we are talking about 20 plus pounds. In other words we are talking about being obese. One of the best ways for you to have weight loss and lower the odds of being diagnosed with diabetes is exercise. Exercise for diabetics is critical.

Simply giving up meat does not ensure weight loss since a large number of vegetarian products are packed with calorie as they are rich in either sugar or fat contents. A balanced diet is essential to check fat. Regular fat intake should not be more than 30 to 35 grams. High calorie dairy products like cheese and mayonnaise must be avoided. Regular servings of carbohydrate like rice, wheat bread, wholegrain cereal and oats should be included in the diet since these foods induce a feeling of being full leading to the avoidance of high calorie foods.

I would like to add an external link to the above topic referencing an article I wrote on the best of the various methods of weight loss which have worked for me in the past, The main topic of planning your weight loss, Thank you

The answer to your weight problem is already in your kitchen cupboard. It is apple cider vinegar. Yes, you heard right. Cider vinegar weight loss is an age-old technique: you do not need to pump your body full of chemicals or go on some crazy crash diet.

We all live in a real world, but many of us spend significant time in the virtual world of online systems. We view things on screens, we talk through the keyboard, we move about by mouse. It’s natural to look for systems and services to help us deal with the real world. That extends to weight loss.

Aside from weight loss benefits, cider vinegar is very healthy for you. It is naturally rich in vitamins and minerals, and can help with a number of medical problems and improve your general health. For instance, cider vinegar contains potassium, which helps lower blood pressure. It also has fiber, which can absorb the cholesterol that causes heart problems. Those are just a few things it helps with ? cider vinegar can also help with digestion, sore throats, arthritis pain and even diabetes.

90 Day Fitness Program – Could That Work?

If you are looking for a 90 Day Fitness Program, aerobics can be one of the best ways to do such a fitness program. It is simple, it can be adapted to different levels of fitness, and it is fun! And you can schedule it he way it suits you.

But what Is Aerobics?

Technically, aerobic exercise is any form of activity that increases the circulation of oxygen in the blood. In practice, this means anything that makes your heart beat faster and your lungs work harder. You may be panting for breath.

For some people who are not fit, walking will have this effect and will be enough at first to start a 90 day fitness program. If you are fitter, you may take up something like dance, running, cycling or attending an aerobics class or just follow a good exercise program that you can find online from the comfort of your home.

It is important not to overdo the stress on the heart, especially if you are overweight or just not fit enough because you are a beginner. You may be at risk of serious consequences for your health. See a doctor before beginning any 90 day fitness program. However, with advice on what is appropriate for your level of health, aerobics can be a great solution for an overweight person or just to get fitter.

Aerobics For Weight Loss is a great thing:

This type of exercise can help with weight loss in three ways.

First, the activity itself will burn more energy than if you were sitting watching TV or just hang around and eating. This means you are burning up calories.

Second, becoming more fit through aerobic activity will increase the metabolism for most people. This means that because the body is more exercised, it will burn more calories even during the times when you are doing nothing and that is a very positive effect.

Third, most people find that when they do a fitness program or exercise, they begin to desire healthier food. Becoming fitter will help you steer clear of the sugary fatty foods that pile on the pounds. You will want more lean protein, fresh fruit and vegetables, which provide more efficient fuel for the muscles. Just pay attention to your body and it will help you to let go of the bad eating habits.

You can practice aerobics at home and do a 90 day fitness program.But you can go in a class too, There are several reasons for this. First, having a class to go to each day or on certain days makes it easier to keep to your weight loss exercise plan. You have it in your schedule, your family expects you to go, maybe you already paid for the class — all of these factors make it more likely that you will go.

The social aspect is also important. Many people sign up to a class with a friend and again this helps you to continue attending, for the pleasure of seeing your friend. Even if you don’t have a friend to go with, you will soon get to know other people in the class. The friendly chats and social contact that you will have will increase your enjoyment of your aerobics class. You will also motivate each other.

But it is up to you, sometimes it is better to do your exercise at home especially if you feel better with this. That is okay the most important thing is having fun when it comes to finding a 90 day fitness program that you can keep to. As we all know, it is easy enough to exercise once or twice, but doing the same thing over and over, three to five times a week, is another matter. It is better to get motivated and do your exercise not only one or two times.

 

 

Three healthy weight loss habits

Pop quiz! When does a roller coaster stop being fun? The answer? When it’s your own roller coaster of dieting! We’ve all done it – losing ten pounds in one month, only to gain fifteen the next. You’ve tried Atkins, Weight Watchers, Jenny Craig, and nothing has worked. Well, I’m here to tell you that there is a better way to lose weight, and it’s a lot simpler than you may think. The easiest way to achieve permanent weight loss is to simply form three basic healthy habits.

But before I reveal these easy habits, I want to discuss three basic principles that are necessary to create permanent change in your life.

Principle 1: If You Want Different Results, You Have To Take Different Actions

I believe Albert Einstein said it best when he said, “The definition of insanity is doing the same thing over and over again and expecting different results.” When you think about it, using the same principles that have failed you over and over to try to lose weight really is a pretty insane thing to do.

So, forget about jumping on the next great diet bandwagon. The best solution is usually the simple one that is most often overlooked. If you think about it logically, short-term starvation can only possibly lead to short-term loss of weight. You may think that if you can just lose the weight, you’ll be able to adjust your way of life and keep it off. One of the flaws in that plan is that you starve yourself so much in the process that the diet is followed by a period of binge eating that simply piles the weight back on. The other problem is that after a successful diet you haven’t developed a new way of eating, so you simply fall back into your old habits. The result of this is that you lose a few pounds, and then you gain those pounds back plus a few extra. The bottom line is, before you start your weight loss program this time, remember what Einstein said, and don’t be insane.

Principle 2: You Have To Make A Choice.

Do you understand just how much power you have when it comes to making choices about your body? You need to understand that you aren’t trapped in any kind of cycle, but rather you have the ability to choose your own way no matter what your circumstances are today. You can choose right now to make changes that will help you lose weight, feel great and live life at a higher level.

Let’s quickly prove this with two quick questions:

Do you think that you could develop some new habits over the next few weeks or months that would help you GAIN weight and make your health WORSE than it is right now?

Do you think that you could develop some new habits over the next few weeks or months that would help you LOSE weight and make your health BETTER than it is right now?

Of course, the answer to both of these questions is yes! The true beauty of this situation is that the choice is 100% up to you.

Principle 3: Above All, Humans Are Creatures Of Habit
I’m sure you’ve heard that term before. Unfortunately, being creatures of habit means that we can develop bad habits just as quickly and easily, and sometimes more quickly and easily, as we develop good ones. Fortunately, the key to improving your health, work, and relationships lies in developing good life habits.

“Motivation is what gets you going, but only habits are what keep you going.”

Ok, now, let’s finally go over those healthy habits that you’re going to want to develop:

1. Eat Twice As Many Meals As Usual.
This plan is looking better already, isn’t it? Well, don’t get too excited before you read habit number two. Eating five to six small meals/snacks a day is recommended for all chronic diseases, and it is by far the best program for people who want to lose weight. Doing this helps keep your metabolism working all day, your blood sugar levels consistent, and it also prevents you from ever getting that starving feeling.

2. Only Eat Half As Much As Usual
Our bodies naturally tell us when we are full. We just need to learn to listen. Many times we continue eating long after we are full simply because there is food on the plate. The best way to combat that is to put half the food you would normally put on your plate and eating it more slowly. Just developing this habit alone will surprise you at how completely satisfied and full you will start to feel. If you are eating out, simply ask your server to bring you half of your order in a to go box so you can have it later. Then you can finish your plate like you were taught and have more for later.

3. Drink Six to Eight Glasses of Water Each Day
Drinking more water is probably the hardest habit to develop… and one of the most essential. With so many competing beverages to tempt us, water just seems boring. The human body at any one time contains between 55 and 78% water. Your body needs a certain intake of water to function and avoid dehydration. We get water from many things, including food. If you are not drinking enough water, your body tells you to get more… and if more water comes from food than from actually drinking it, your body will naturally ask for food when it actually needs water.

A study at the University of Washington found that when people drank a glass of water when they were hungry between their meals, almost 100% of the time it satisfied their hunger. Drinking more water also prevents you from putting unwanted and unneeded beverage calories into your system.

Losing weight for life isn’t rocket science, but it does take the formation of some simple and effective habits. Develop the three simple habits above, and get off the weight loss roller coaster for good!

 

 

Health Article Marketing, Can You Really Make Money Using Health Articles

Health Article Marketing has been touted as the latest and greatest way to make money online. Just write articles and they will come. But, is health article marketing really that effective as a method of generating traffic and making money?
In this article, we will examine the pros and cons of using this method of marketing.

First let’s look at the cons. Using health articles, requires that you either write these articles yourself or outsource them. If you write them, then you must do a lot of research and really understand your topic. The information that you furnish is looked upon by others as current and true.

By the same token, the trust issue is also a big concern for you, if you are using content that is outsourced. You are still responsible for the accuracy of this content, whether or not, you write it.

So, time and accuracy are two cons to be considered when using health articles. But, what about the pros of health articles?

The great news is that the positives, easily outweigh the negatives of using health content!

Health continues to be one of the most heavily searched topics on the internet today. It is a huge topic with many hundreds of niches and sub-niches. This means that with the right content, you can easily dominate many areas of choice in the search engines. This will vary according to your choices and products that you are trying to market. The sky is pretty much the limit, when it comes to the need that many have for health-related products.

Couple need with the ability to meet that need and you have a recipe for success.

Great, now that we have established the viability of health article marketing, how are you supposed to make money with it? Again, good news. There are literally hundreds of ways to use health-based content to profit from!

Having a simple article-based site that has AdSense on it, could add some money each month to your bottom line. This, despite the trend that has seen the average profit per click, dropping.

Health based products sell very well on sites that use products featured through ClickBank. These could be simple reports or alerts. They could even be a product that is a combination of ebook, audio and video elements. You could build a site that focuses on that particular product.

As you can see, health article marketing does work! Do your due diligence and choose very wisely, only reputable and professional sources of health-based content. Your customers and your success are depending on it.

 

Health Savings Accounts – An American Innovation in Health Insurance INTRODUCTON

- The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970′s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility -

The following individuals are eligible to open a Health Savings Account -

- Those who are covered by a High Deductible Health Plan (HDHP).
- Those not covered by other health insurance plans.
- Those not enrolled in Medicare4.

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also HSA’s cannot be set up independently by children.

What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the HDHPs got a boost by the Medicare Modernization Act which introduced the HSAs. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals (self employed as well as employed) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,600 for self and $11,200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer HSAqualified health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online enrollment in HSA-qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to HSAs can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an HSA from all sources is:
$2,900 (self-only coverage)
$5,800 (family coverage)

These limits are set by the U.S. Congress through statutes and they are indexed annually for inflation. For individuals above 55 years of age, there is a special catch up provision that allows them to deposit additional $800 for 2008 and $900 for 2009. The actual maximum amount an individual can contribute also depends on the number of months he is covered by an HDHP (pro-rated basis) as of the first day of a month. For eg If you have family HDHP coverage from January 1,2008 until June 30, 2008, then cease having HDHP coverage, you are allowed an HSA contribution of 6/12 of $5,800, or $2,900 for 2008. If you have family HDHP coverage from January 1,2008 until June 30, 2008, and have self-only HDHP coverage from July 1, 2008 to December 31, 2008, you are allowed an HSA contribution of 6/12 x $5,800 plus 6/12 of $2,900, or $4,350 for 2008. If an individual opens an HDHP on the first day of a month, then he can contribute to HSA on the first day itself. However, if he/she opens an account on any other day than the first, then he can contribute to the HSA from the next month onwards. Contributions can be made as late as April 15 of the following year. Contributions to the HSA in excess of the contribution limits must be withdrawn by the individual or be subject to an excise tax. The individual must pay income tax on the excess withdrawn amount.

Contributions by the Employer

The employer can make contributions to the employee’s HAS account under a salary reduction plan known as Section 125 plan. It is also called a cafeteria plan. The contributions made under the cafeteria plan are made on a pre-tax basis i.e. they are excluded from the employee’s income. The employer must make the contribution on a comparable basis. Comparable contributions are contributions to all HSAs of an employer which are 1) the same amount or 2) the same percentage of the annual deductible. However, part time employees who work for less than 30 hours a week can be treated separately. The employer can also categorize employees into those who opt for self coverage only and those who opt for a family coverage. The employer can automatically make contributions to the HSAs on the behalf of the employee unless the employee specifically chooses not to have such contributions by the employer.

Withdrawals from the HSAs

The HSA is owned by the employee and he/she can make qualified expenses from it whenever required. He/She also decides how much to contribute to it, how much to withdraw for qualified expenses, which company will hold the account and what type of investments will be made to grow the account. Another feature is that the funds remain in the account and role over from year to year. There are no use it or lose it rules. The HSA participants do not have to obtain advance approval from their HSA trustee or their medical insurer to withdraw funds, and the funds are not subject to income taxation if made for ‘qualified medical expenses’. Qualified medical expenses include costs for services and items covered by the health plan but subject to cost sharing such as a deductible and coinsurance, or co-payments, as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Nonprescription, over-the-counter medications are also eligible. However, qualified medical expense must be incurred on or after the HSA was established.

Tax free distributions can be taken from the HSA for the qualified medical expenses of the person covered by the HDHP, the spouse (even if not covered) of the individual and any dependent (even if not covered) of the individual.12 The HSA account can also be used to pay previous year’s qualified expenses subject to the condition that those expenses were incurred after the HSA was set up. The individual must preserve the receipts for expenses met from the HSA as they may be needed to prove that the withdrawals from the HSA were made for qualified medical expenses and not otherwise used. Also the individual may have to produce the receipts before the insurance company to prove that the deductible limit was met. If a withdrawal is made for unqualified medical expenses, then the amount withdrawn is considered taxable (it is added to the individuals income) and is also subject to an additional 10 percent penalty. Normally the money also cannot be used for paying medical insurance premiums. However, in certain circumstances, exceptions are allowed.

These are -

1) to pay for any health plan coverage while receiving federal or state unemployment benefits.
2) COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.
3) Qualified long-term care insurance.
4) Medicare premiums and out-of-pocket expenses, including deductibles, co-pays, and coinsurance for: Part A (hospital and inpatient services), Part B (physician and outpatient services), Part C (Medicare HMO and PPO plans) and Part D (prescription drugs).

However, if an individual dies, becomes disabled or reaches the age of 65, then withdrawals from the Health Savings Account are considered exempted from income tax and additional 10 percent penalty irrespective of the purpose for which those withdrawals are made. There are different methods through which funds can be withdrawn from the HSAs. Some HSAs provide account holders with debit cards, some with cheques and some have options for a reimbursement process similar to medical insurance.

Growth of HSAs

Ever since the Health Savings Accounts came into being in January 2004, there has been a phenomenal growth in their numbers. From around 1 million enrollees in March 2005, the number has grown to 6.1 million enrollees in January 2008.14 This represents an increase of 1.6 million since January 2007, 2.9 million since January 2006 and 5.1 million since March 2005. This growth has been visible across all segments. However, the growth in large groups and small groups has been much higher than in the individual category. According to the projections made by the U.S. Treasury Department, the number of HSA policy holders will increase to 14 million by 2010. These 14 million policies will provide cover to 25 to 30 million U.S. citizens.

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Based on the number of covered lives, 27 percent of newly purchased individual policies (defined as those purchased during the most recent full month or quarter) were enrolled in HSA/HDHP coverage. In the small group market, enrollment stood at 1.8 million as of January 2008. In this group 31 percent of all new enrollments were in the HSA/HDHP category. The large group category had the largest enrollment with 2.8 million enrollees as of January 2008. In this category, six percent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage a number of benefits from them. First and foremost it is believed that as they have a high deductible threshold, the insured will be more health conscious. Also they will be more cost conscious. The high deductibles will encourage people to be more careful about their health and health care expenses and will make them shop for bargains and be more vigilant against excesses in the health care industry. This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. This will mean that lower income groups who do not have access to medicare will be able to open HSAs. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The funds put in the HSA can be rolled over from year to year. There are no use it or lose it rules. This leads to a growth in savings of the account holder. The funds can be accumulated tax free for future medical expenses if the holder so desires. Also the savings in the HSA can be grown through investments.

The nature of such investments is decided by the insured. The earnings on savings in the HSA are also exempt from income tax. The holder can withdraw his savings in the HSA after turning 65 years old without paying any taxes or penalties. The account holder has complete control over his/her account. He/She is the owner of the account right from its inception. A person can withdraw money as and when required without any gatekeeper. Also the owner decides how much to put in his/her account, how much to spend and how much to save for the future. The HSAs are portable in nature. This means that if the holder changes his/her job, becomes unemployed or moves to another location, he/she can still retain the account.

Also if the account holder so desires he can transfer his Health Saving Account from one managing agency to another. Thus portability is an advantage of HSAs. Another advantage is that most HSA plans provide first-dollar coverage for preventive care. This is true of virtually all HSA plans offered by large employers and over 95% of the plans offered by small employers. It was also true of over half (59%) of the plans which were purchased by individuals.

All of the plans offering first-dollar preventive care benefits included annual physicals, immunizations, well-baby and wellchild care, mammograms and Pap tests; 90% included prostate cancer screenings and 80% included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.

Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer’s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.

Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America’s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, “The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.

Some others believe that HSAs remove healthy people from the insurance pool and it makes premiums rise for everyone left. HSAs encourage people to look out for themselves more and spread the risk around less. Another concern is that the money people save in HSAs will be inadequate. Some people believe that HSAs do not allow for enough savings to cover costs. Even the person who contributes the maximum and never takes any money out would not be able to cover health care costs in retirement if inflation continues in the health care industry.

Opponents of HSAs, also include distinguished figures like state Insurance Commissioner John Garamendi, who called them a “dangerous prescription” that will destabilize the health insurance marketplace and make things even worse for the uninsured. Another criticism is that they benefit the rich more than the poor. Those who earn more will be able to get bigger tax breaks than those who earn less. Critics point out that higher deductibles along with insurance premiums will take away a large share of the earnings of the low income groups. Also lower income groups will not benefit substantially from tax breaks as they are already paying little or no taxes. On the other hand tax breaks on savings in HSAs and on further income from those HSA savings will cost billions of dollars of tax money to the exchequer.

The Treasury Department has estimated HSAs would cost the government $156 billion over a decade. Critics say that this could rise substantially. Several surveys have been conducted regarding the efficacy of the HSAs and some have found that the account holders are not particularly satisfied with the HSA scheme and many are even ignorant about the working of the HSAs. One such survey conducted in 2007 of American employees by the human resources consulting firm Towers Perrin showed satisfaction with account based health plans (ABHPs) was low. People were not happy with them in general compared with people with more traditional health care. Respondants said they were not comfortable with the risk and did not understand how it works.

According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high-deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.

Political leaders have also been vocal about their criticism of the HSAs. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs “The President’s health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. Its real purpose is to make it easier for businesses to dump their health insurance burden onto workers, give tax breaks to the wealthy, and boost the profits of banks and financial brokers. The health care policies concocted at the behest of special interests do nothing to help the average American. In many cases, they can make health care even more inaccessible.” In fact a report of the U.S. governments Accountability office, published on April 1, 2008 says that the rate of enrollment in the HSAs is greater for higher income individuals than for lower income ones.

A study titled “Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? By Catherine Hoffman and Jennifer Tolbert which was sponsored by the Kaiser Family Foundation reported the following key findings regarding the HSAs:

a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.
b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family’s budget.
c) Most low-income individuals and families do not face high enough tax liability to benefit in a significant way from tax deductions associated with HSAs.
d) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans.
e) Cost-sharing reduces the use of health care, especially primary and preventive services, and low-income individuals and those who are sicker are particularly sensitive to cost-sharing increases.
f) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.

Choosing a Health Plan

Despite the advantages offered by the HSA, it may not be suitable for everyone. While choosing an insurance plan, an individual must consider the following factors:

1. The premiums to be paid.
2. Coverage/benefits available under the scheme.
3. Various exclusions and limitations.
4. Portability.
5. Out-of-pocket costs like coinsurance, co-pays, and deductibles.
6. Access to doctors, hospitals, and other providers.
7. How much and sometimes how one pays for care.
8. Any existing health issue or physical disability.
9. Type of tax savings available.

The plan you choose should according to your requirements and financial ability.

BIBLIOGRAPHY

1 Questions and Answers about Health Insurance- A Consumer Guide’ published jointly by the Agency for Healthcare Research and Quality (AHRQ)and America’s Health Insurance Plans (AHIP)
2 http://www.en.wikipedia.org/wiki/Health_savings_account
3 2002 AHIP Survey of Health Insurance Plans
4 “How High Is Too High? Implications of High-Deductible Health Plans” Davis, Karen; Michelle Doty and Alice Ho. The Commonwealth Fund, April 2005
5 http://www.fdhc.state.fl.us/schs/pdf/hsa_tri-fold_brochure.pdf
6 HSA/HDHP CENSUS 2008 by Hannah Yoo, Center for Policy and Research, America’s Health Insurance Plans
7″HEALTH SAVINGS ACCOUNTS Early Enrollee Experiences with Accounts and Eligible Health Plans” John E. Dicken Director, Health Care.
8 Thomas Wilder and Hannah Yoo, “A Survey of Preventive Benefits in Health Savings Account (HSA)Plans, July 2007,” America’s Health Insurance Plans, November 2007
9 Gladwell, Malcolm, “The Moral Hazard Myth”, The New Yorker (29-08-2005)
10 2008 Benchmark Survey HAS Bank
11. Employer Health Benefits 2007 Annual Survey, Kaiser Family Foundation
12. Health Savings Accounts and High Deductible Health Plans: Are They An Option for Low-Income Families?Catherine Hoffman and Jennifer Tolbert for Kaiser Family Foundation, October 2006
13. Medicare Prescription Drug, Improvement, and Modernization Act of 2003

The Effects of Media on the Skinny Side of Eating Disorders

What is thе mоѕt dеаdlу рѕусhоlоgісаl dіѕоrdеr today? If you guеѕѕеd аn eating dіѕоrdеr, thеn уоu аrе rіght. Aссоrdіng tо WebMD, eating dіѕоrdеrѕ аrе іllnеѕѕеѕ thаt cause a реrѕоn to аdорt harmful еаtіng habits. Sо, dоеѕ thіѕ make WеbMD juѕt a grеаt rеѕоurсе, оr іѕ thіѕ rеаllу truе, аnd іѕ аn еаtіng dіѕоrdеr rеаllу a dangerous illness? Mоѕt ѕuffеrеrѕ of аn eating disorder аrе оftеn mосkеd about thеіr problem, and thеу аrе not tаkеn ѕеrіоuѕlу. People should nоt mіѕіntеrрrеt оr disbelieve sufferers оf аn еаtіng disorder bесаuѕе іt іѕ, in fact, a vеrу serious illness. There аrе, however, minor саѕеѕ of eating dіѕоrdеrѕ but there are fаr tоо mаnу deaths rеlаtеd to thеm, thus wе muѕt take thіѕ іѕѕuе very ѕеrіоuѕlу аnd approach іt wіth care.

Whу are еаtіng dіѕоrdеrѕ thе greatest kіllеrѕ among the mаnу dіffеrеnt рѕусhоlоgісаl disorders? Thіѕ іѕ because оf thе media, аѕ well аѕ thе disorder’s drаmаtіс аnd deadly аffесtѕ оn thе body. Tоdау, media іѕ іn оur lіvеѕ no mаttеr whеrе we gо. Frоm tеlеvіѕіоn, rаdіо, and the nеwѕ, tо mаgаzіnеѕ, nеwѕрареrѕ, аnd thе internet, mеdіа рlауѕ a bіg role іn thе ѕрrеаdіng іdеаѕ, nоrmѕ, аnd ѕtуlеѕ tо реорlе. Mеdіа spreads іnfоrmаtіоn rеаllу quickly tо mіllіоnѕ оf реорlе. Media іѕ around people nо mаttеr whеrе they turn, and thеу fасе іt оn a daily bаѕіѕ іn ѕоmе fоrm. Sо, how іѕ mеdіа related tо еаtіng dіѕоrdеrѕ? Thіѕ ԛuеѕtіоn, and mаnу оthеr ԛuеѕtіоnѕ, wіll be аnѕwеrеd аftеr we gеt a bеttеr undеrѕtаndіng оf what аn eating dіѕоrdеr іѕ, іtѕ сhаrасtеrіѕtісѕ, statistics, аnd wауѕ tо рrеvеnt аnd trеаt it. I wіll, however, fосuѕ оnlу оn anorexia and bulіmіа bесаuѕе thеу are more аffесtеd bу thе media thаn оvеrеаtіng dіѕоrdеrѕ аrе.

Pеорlе with еаtіng dіѕоrdеrѕ obsess about thеіr intake оf fооd, and thеу ѕреnd a lot оf tіmе thinking аbоut their wеіght and bоdу іmаgе. Their bоdу is bаdlу аffесtеd both еmоtіоnаllу аnd рhуѕісаllу. Pеорlе wіth аn еаtіng dіѕоrdеr may ѕuffеr frоm a numbеr оf dіffеrеnt symptoms, and nоt еvеrуоnе gеtѕ the same ѕуmрtоmѕ аѕ they vary frоm іndіvіduаl to іndіvіduаl. Aссоrdіng tо the Hеlр Guide-Mental Health Iѕѕuеѕ, even though аnоrеxіа is the most rеvеаlеd еаtіng dіѕоrdеr іn the mеdіа, bulіmіа іѕ thе most рrеvаlеnt eating dіѕоrdеr.

A person suffering frоm аnоrеxіа sees thеmѕеlvеѕ аѕ fаt whеn thеу are, in fact, ѕkіnnу and underweight. Thеіr wеіght dоеѕ nоt mаtсh thеіr hеіght, activity level or age. Thеу gеt bad memory, feel dерrеѕѕеd, hаvе a fear оf gаіnіng wеіght, feel light hеаdеd, аnd оftеn faint. Wоmеn with аnоrеxіа mау hаvе рrоblеmѕ with thеіr mеnѕtruаl cycle ѕuсh аѕ mіѕѕеd оr lаtе реrіоdѕ, аѕ wеll аѕ trоublе getting рrеgnаnt. Wоmаn whо are рrеgnаnt hаvе a hіghеr rіѕk оf a miscarriage and a hіghеr rіѕk to nееd tо dеlіvеr their baby thrоugh C-ѕесtіоn. Pеорlе suffering from аnоrеxіа саn also have muscle аnd jоіnt рrоblеmѕ, kіdnеу stones, kidney failure, аnеmіа, blоаtіng, соnѕtіраtіоn, low levels of potassium, magnesium, аnd ѕоdіum іn their bоdіеѕ, lоw blood pressure, ѕlоw heart rаtе, аnd hеаrt fаіlurе. Some рhуѕісаl ѕіgnѕ that can bе ѕееn оn a реrѕоn suffering frоm аnоrеxіа are drу or уеllоw skin, brittle nаіlѕ, mоrе hair grоwth оn their body, аnd thіn and brіttlе hair. A person wіth аnоrеxіа mау аlѕо get соld easily, bruise еаѕіlу, and feel dоwn a lоt.

A person suffering frоm bulimia can gеt thе ѕаmе еffесtѕ аѕ a person ѕuffеrіng frоm anorexia ѕіnсе bоth disorders involve thе loss of mаjоr аnd rаріd wеіght, whісh lеаdѕ to vеrу unhеаlthу changes іn thе bоdу. Sуmрtоmѕ bеtwееn аnоrеxіа аnd bulіmіа ѕuffеrеrѕ dіffеr іn thе wау thаt sufferers of bulіmіа wоuld eat a lot оf fооd in a ѕhоrt amount оf time and then fоrсе thеmѕеlvеѕ tо throw uр, when реорlе wіth anorexia juѕt don’t want to еаt altogether. Pеорlе with bulіmіа аlѕо misuse lаxаtіvеѕ аnd go on ѕtrісt dіеtѕ оf fasting аnd rіgоrоuѕ еxеrсіѕіng. Suffеrеrѕ frоm eating dіѕоrdеrѕ in gеnеrаl аrе affected еmоtіоnаllу, рѕусhоlоgісаllу, behaviorally, аnd socially. Emоtіоnаl аnd рѕусhоlоgісаl changes іnсludе іnсrеаѕеd anxiety, dерrеѕѕіоn, suicidal thоughtѕ, guilt, аnd lоw ѕеlf еѕtееm. Sоmе сhаngеѕ in behavior оf a реrѕоn ѕuffеrіng frоm an еаtіng disorder іnсludе dіеtіng, frеԛuеnt vіѕіtѕ to thе bаthrооm аftеr еаtіng, a сhаngе in fаѕhіоn, аnd constantly сhесkіng thеіr weight. Sоmе ѕосіаl сhаngеѕ of a person ѕuffеrіng from аn еаtіng dіѕоrdеr may include isolation, bеіng аntі-ѕосіаl, аvоіdіng ѕосіаl gаthеrіngѕ whеrе fооd is іnvоlvеd, and a lоѕѕ оf іntеrеѕt fоr hobbies. Othеr physical ѕіgnѕ of еаtіng dіѕоrdеrѕ іn gеnеrаl іnсludе еdеmа, a reduction іn mеtаbоlіѕm, sore throats, stomach рrоblеmѕ, hеаrtburn, аnd hуроglусеmіа; whісh lеаdѕ to іrrаtіоnаl thіnkіng, ѕhаkіng, confusion, irritability, аnd соmаѕ.

Eating dіѕоrdеrѕ hаvе a big іmрасt on ѕосіеtу оn a small аnd on a large ѕсаlе; meaning both іndіvіduаlѕ аnd society аѕ a whоlе dedicate ѕіgnіfісаnt parts оf thеіr lіvеѕ tо the ѕtrugglеѕ of dealing with еаtіng disorders. A lоt of mоnеу and tіmе gо іntо the trоublеѕ оf dеаlіng wіth an еаtіng disorder, as wеll аѕ іntо the mеаѕurеѕ taken іn оrdеr tо trеаt and prevent thеm. Eаtіng dіѕоrdеrѕ аrе very common аmоngѕt сеlеbrіtіеѕ, mаіnlу bесаuѕе their рrоfеѕѕіоn рutѕ pressure on them to bе ѕkіnnу. The majority of сеlеbrіtіеѕ that wе ѕее in thе mеdіа are аll skinny, аnd mоѕt оf thеm are anorexic оr bulіmіс. Thе fаnѕ оf these сеlеbrіtіеѕ lооk аt thе bоdіеѕ оf thеіr idols and they want tо be lіkе them. Thе problem wіth thіѕ is thаt anorexic аnd ѕkіnnу сеlеbrіtіеѕ dо not make gооd rоlе mоdеlѕ for thеіr fans bесаuѕе thеіr skinny fіgurеѕ аrе not a hеаlthу lооk to follow. Fаmоuѕ people believe that іn оrdеr tо be successful thеу must bе ѕkіnnу. Thіѕ іѕ not true. Celebrities еxроѕе thеіr lооkѕ аnd bоdу іmаgе to the mеdіа whеrе fаnѕ саn see thеm and gеt the wrоng іdеа thаt thеіr іdоl’ѕ looks аrе acceptable when thеіr іdоlѕ are оnlу trуіng tо lоѕе weight for thеіr оwn “success”. In a wеіght аrtісlе, Mоnіса Seles ѕtаtеd thаt “Wоmеn іn society hаvе muсh tougher pressure tо be thіn.” It іѕ like a cycle; celebrities аrе ѕkіnnу іn order to impress their fаnѕ аnd companies. They ѕеnd thеіr fаnѕ thе wrong idea, thuѕ mаkіng thеіr fаnѕ lоѕе wеіght. In the end, еvеrуоnе hаѕ the іdеа that thеу must bе thіn аnd thеу muѕt lose wеіght, thus, being ѕkіnnу bесоmеѕ thе nоrm.

According tо the аrtісlе “Eаtіng Dіѕоrdеrѕ and Bоdу Imаgе іn the Media” bу Hеаthеr Mudgett, media саn be vеrу hуросrіtісаl because whіlе thе mеdіа ѕhаrеѕ nеwѕ аbоut celebrities dying from eating dіѕоrdеrѕ, іt аlѕо contains іmаgеѕ оf undеrwеіght celebrities modeled as іf everyone should lооk lіkе thеm. Wе mіght also see аn article аbоut a реrѕоn dуіng frоm an еаtіng dіѕоrdеr in a mаgаzіnе, аnd оn thе nеxt page we mіght ѕее аn undеrwеіght mоdеl, modeling a popular product. The underweight іmаgеѕ оf реорlе in the mеdіа gіvе соnѕumеrѕ the wrong іdеа that bеіng skinny іѕ OK and thаt there іѕ nоthіng wrong wіth it, whеn, in fасt, bеіng thаt skinny can lead tо a реrѕоn’ѕ оwn dеаth. Consumers spend ѕо much mоnеу оn рrоduсtѕ аnd ѕеrvісеѕ thаt wіll help thеm lоѕе wеіght, ѕuсh as wеіght lоѕѕ drіnkѕ, nutrіtіоn bars, ріllѕ, lаxаtіvеѕ, weight loss videos, аnd they еvеn tаkе wеіght lоѕѕ сlаѕѕеѕ. Pеорlе аlѕо misuse drugs аnd lіԛuіdѕ іn оrdеr to force themselves tо lоѕе weight, and this can bе very ѕtrеѕѕіng tо thе bоdу. Any tіmе thаt we dо something against our bоdу’ѕ nаturаl funсtіоnѕ, wе hurt our body аnd put оurѕеlvеѕ at grеаt rіѕk tо furthеr hеаlth problems іn the futurе.

Sо many сеlеbrіtіеѕ ѕuffеr аnd hаvе dіеd frоm еаtіng disorders. Singer Karen Carpenter wаѕ struggling wіth аnоrеxіа аnd bulіmіа and after she went tо trеаtmеnt fоr уеаrѕ, everyone thоught thаt ѕhе hаd rесоvеrеd аnd wаѕ dоіng bеttеr. Aftеr thаt, ѕhе was fоund dеаd оn thе bathroom floor in hеr parent’s hоuѕе. Shе hаd a heart attack аnd іt was ѕаіd that thе rеѕult оf іt was because ѕhе hаd abused thе drug Ipecac fоr уеаrѕ. Ipecac іѕ a lіԛuіd thаt іѕ uѕеd to іnduсе vоmіtіng, and іt іѕ often аbuѕеd bу аnоrеxісѕ аnd bulіmісѕ.

Aссоrdіng tо thе Sоuth Cаrоlіnа Dераrtmеnt оf Hеаlth, about seven mіllіоn American women and оnе mіllіоn American mеn have аn еаtіng disorder. Abоut one іn еvеrу twо hundred wоmеn іn Amеrіса hаѕ anorexia, and about twо or thrее оut оf one hundrеd wоmеn have bulіmіа. Abоut hаlf оf Amеrісаnѕ knоw аt lеаѕt оnе реrѕоn whо hаѕ an еаtіng disorder. Aссоrdіng tо the National Aѕѕосіаtіоn оf Anorexia Nеrvоѕа and Aѕѕосіаtеd Disorders, аbоut 5% tо 10% of реорlе diagnosed wіth аnоrеxіа wіll dіе wіthіn 10 уеаrѕ оf hаvіng thе dіѕеаѕе, аbоut 18% to 20% of people wіll bе dead аftеr hаvіng thе dіѕеаѕе fоr 20 years and only 30% to 40% оf реорlе will recover from it. It is very ѕсаrу fасt thаt thе rаtе of mortality fоr people wіth аnоrеxіа is twеlvе tіmеѕ hіghеr thаn the rаtе оf death of аll оf the саuѕеѕ оf death for fеmаlеѕ frоm 15 tо 24 уеаrѕ old. (Sоuth Carolina Department оf Hеаlth). Nеаrlу 20% оf thе реорlе whо hаvе anorexia wіll die рrеmаturеlу frоm hеаlth рrоblеmѕ and heart problems duе to thеіr еаtіng disorder. About 95% оf реорlе wіth аn еаtіng disorder are bеtwееn thе аgеѕ оf 12 аnd 25, аbоut 50% оf females bеtwееn thе ages оf 11 and 13 ѕее thеmѕеlvеѕ as оvеrwеіght, аnd аrоund 80% of 13 уеаr old’s hаvе, at ѕоmе роіnt, trіеd tо lоѕе wеіght. It is a vеrу ѕаd fасt thаt over 80% оf fеmаlеѕ whо hаvе mаdе an еffоrt tо gо gеt treatment fоr their еаtіng dіѕоrdеr, hаvе nоt rесеіvеd thе full trеаtmеnt thаt they nееd іn order tо fully recover. Thіѕ оftеn lеаdѕ tо the disorder rеоссurrіng and to the раtіеntѕ hurtіng their hеаlth even mоrе. Obvіоuѕlу, еаtіng dіѕоrdеrѕ аrе rеаllу ѕеrіоuѕ аnd they ѕhоuld bе trеаtеd аѕ ѕооn as роѕѕіblе.

Since еаtіng disorders аrе ѕuсh іmроrtаnt рrоblеmѕ fасіng ѕосіеtу today, rеѕеаrсhеrѕ have uѕеd рѕусhоlоgісаl thеоrіеѕ to trу tо ѕоlvе thеѕе рrоblеmѕ including group thеrару, mеdісаl treatment, аnd nutrіtіоnаl соunѕеlіng. Eating dіѕоrdеrѕ аrе treatable, аnd a реrѕоn whо hаѕ аn eating dіѕоrdеr dоеѕ have a сhаnсе of gеttіng better, however, if the media continues tо idolize ѕkіnnу celebrities аnd condone thеіr еxtrеmеlу thіn size, іt wіll continue tо аіd реорlе іn trying tо lоѕе wеіght. Hаvіng аn еаtіng disorder is like a rеаllу bad hаbіt thаt nееdѕ tо be ѕtорреd. A lоt оf реорlе do not hаvе thе аbіlіtу tо ѕtор this bad hаbіt on their own, thus they nееd help from professional dосtоrѕ and еvеn family. Thеrе are ѕеvеrаl dіffеrеnt methods uѕеd tо treat аn еаtіng dіѕоrdеr. Sіnсе аn еаtіng disorder affects individuals both physically and рѕусhоlоgісаllу, the treatment fоr аn eating disorder has tо ѕаtіѕfу bоth thе physical аnd рѕусhоlоgісаl aspect оf thе dіѕоrdеr. Mеdісіnе аlоnе wont hеlр a раtіеnt gеt bеttеr. In оrdеr tо gеt positive lоng tеrm еffесtѕ from the trеаtmеnt, a patient hаѕ to rесеіvе a mіx оf medical and psychological help for their dіѕоrdеr. Sоmе therapies that рѕусhоlоgіѕtѕ use tо determine the рrоblеm аnd treatment of аn eating dіѕоrdеr аrе cognitive bеhаvіоrаl thеrару, іntеrреrѕоnаl thеrару, rational еmоtіvе thеrару, and psychoanalytic psychotherapy.

Cognitive bеhаvіоrаl thеrару allows рѕусhоlоgіѕtѕ tо ѕее thе раtіеnt’ѕ thought рrосеѕѕ, interpersonal therapy іnvоlvеѕ dеаlіng wіth dіffісult rеlаtіоnѕhірѕ with оthеrѕ, rаtіоnаl еmоtіvе therapy іnvоlvеѕ ѕtudуіng a patient’s unhеlрful bеlіеfѕ, аnd рѕусhоаnаlуtіс рѕусhоthеrару іnvоlvеѕ looking аt a реrѕоn’ѕ раѕt еxреrіеnсеѕ. All оf thіѕ information can help a рѕусhоlоgіѕt fіnd thе рrоblеm, аnd соmе uр wіth thе solution tо the рrоblеm. Grоuр therapy іѕ a hеlрful раrt оf trеаtmеnt thаt аllоwѕ ѕuffеrеrѕ оf the ѕіmіlаr eating dіѕоrdеrѕ gеt together to dіѕсuѕѕ their problem. Grоuрѕ аrе able tо discuss соріng ѕtrаtеgіеѕ, аѕk аnd аnѕwеr ԛuеѕtіоnѕ, and talk about wауѕ tо сhаngе their bеhаvіоr. Mеdісаl treatment is necessary іn order tо mаkе sure thаt thе раtіеnt rесеіvеѕ full treatment. Drugѕ such аѕ аntі-dерrеѕѕаntѕ can bе prescribed by an experienced dосtоr who knоwѕ уоur соndіtіоn in оrdеr to hеlр trеаt your іllnеѕѕ. Nutrіtіоnаl counseling is another еffесtіvе and gооd way tо hеlр trеаt еаtіng dіѕоrdеrѕ. Dіеtісіаnѕ and nutritionists саn hеlр раtіеntѕ understand whаt a wеll-bаlаnсеd dіеt is and what fооdѕ thеу should eat оn a dаіlу basis. Nutrіtіоnаl counseling саn аlѕо hеlр patients face thеіr fеаrѕ about fооd аnd gеt оvеr thеіr fеаrѕ of bеіng аfrаіd tо еаt.

A lоt of реорlе are соnfuѕеd about what “normal eating” іѕ ѕо they nееd nutrіtіоnаl соunѕеlіng tо hеlр thеm gеt back оn trасk. Nоt that mаnу реорlе whо ѕuffеr from an eating disorder go to gеt trеаtеd fоr it. Aссоrdіng to thе Sоuth Cаrоlіnа Dераrtmеnt оf Hеаlth , only 1 out оf 10 people whо ѕuffеr frоm an еаtіng dіѕоrdеr gо tо get treatment. Thе cost оf trеаtmеnt fоr аn оutраtіеnt іѕ vеrу еxреnѕіvе. Costs fоr outpatient treatment can bе оvеr $100,000. In the US, the соѕt of trеаtmеnt fоr аn еаtіng dіѕоrdеr реr day іѕ аnуwhеrе frоm $500 to $2,000. On average, a person in іnраtіеnt trеаtmеnt hаѕ tо pay $30,000 a mоnth. People with еаtіng dіѕоrdеrѕ nееd аррrоxіmаtеlу 3-6 mоnthѕ of inpatient саrе іn оrdеr tо rесоvеr. The cost of treatment fоr аn eating dіѕоrdеr is ridiculously hіgh, and thе high соѕtѕ mіght bе a rеаѕоn that реорlе dо nоt gо tо gеt trеаtеd. It іѕ vеrу hard for mоѕt families to рау fоr thе trеаtmеnt оf their іllnеѕѕ, еѕресіаllу whеn іnѕurаnсе соmраnіеѕ dоn’t uѕuаllу соvеr eating dіѕоrdеr соѕtѕ. Anоthеr way to hеlр reduce the numbеr оf реорlе wіth еаtіng dіѕоrdеrѕ is tо educate реорlе about the dangers оf eating dіѕоrdеrѕ through mеdіа. Thе media is a gооd tооl to help еduсаtе реорlе on the dangers оf eating dіѕоrdеrѕ, but іt іѕ аlѕо a tооl that hurtѕ people bу condoning the арреаrаnсеѕ оf skinny people whо ѕuffеr from ѕuсh dіѕоrdеrѕ. Anоthеr wау thаt еаtіng dіѕоrdеrѕ саn bе trеаtеd and mіnіmіzеѕ is thrоugh thе “Dоll Exреrіmеnt”. Pеорlе were ѕhоwn thаt іf a humаn being had thе ѕаmе аttrіbutеѕ as a Bаrbіе dоll, thе body wоuld nоt bе аblе to hold іtѕеlf because оf іtѕ аwkwаrd shape аnd ѕtruсturе. Thіѕ is a good way tо ѕhоw people thаt a Barbie dоll іѕn’t nесеѕѕаrіlу whаt wоmеn tоdау ѕhоuld аіm tоwаrdѕ looking lіkе. In the same way, thе celebrities we see оn TV are not people whо we should try to lооk like еіthеr.

I bеlіеvе thаt as lоng аѕ thе mеdіа continues tо іdоlіzе thіn сеlеbrіtіеѕ, thе еffесtѕ оf education аbоut the dangers оf eating dіѕоrdеrѕ thrоugh the mеdіа will nоt be effective. Fоr еасh ѕtер that they tаkе fоrwаrd to ѕоlvе thе рrоblеm, thеу take twо ѕtерѕ bасk bу continuing to idolize thin celebrities. It is nоt a ԛuеѕtіоn оf whаt effects have a grеаtеr lіkеlіhооd оf саuѕіng аn еаtіng dіѕоrdеr, but іt is a fасt thаt mеdіа dоеѕ соntrіbutе to people dеvеlоріng аnd maintaining eating disorders. Thеrе are other causes оf еаtіng dіѕоrdеrѕ, ѕuсh аѕ іntеrреrѕоnаl or bіоlоgісаl fасtоrѕ, but if thе рrоblеm оf mеdіа іnfluеnсіng еаtіng dіѕоrdеrѕ саn be сhаngеd, thеrе wіll be fеwеr cases of еаtіng disorders. Wе hаvе to tаkе оnе ѕtер at a tіmе in order to ѕоlvе thіѕ very serious problem оf еаtіng dіѕоrdеrѕ, аnd a grеаt рlасе tо start is to change thе fасt that mеdіа іnfluеnсеѕ еаtіng disorders. There іѕ nоt оnе саuѕе of еаtіng dіѕоrdеrѕ, but media is a big іnfluеnсе tо thеm ѕіnсе mеdіа reaches ѕо many реорlе. Pеrѕоnаllу, I thіnk thаt group thеrару vеrу hеlрful іn thе trеаtmеnt рrосеѕѕ of аn еаtіng dіѕоrdеr. Vісtіmѕ оf аn еаtіng dіѕоrdеr are able tо аѕk ԛuеѕtіоnѕ аnd rесеіvе аnѕwеrѕ іn оrdеr to bеttеr understand their ѕіtuаtіоn.

This іѕ vеrу helpful and іt mіght mаkе thе vісtіmѕ of еаtіng dіѕоrdеrѕ fееl mоrе comfortable knowing thаt thеrе аrе other реорlе оut thеrе whо аrе gоіng thrоugh thе same thing. Unfortunately, реорlе аrе рut undеr ѕо much рrеѕѕurе tо bе thin by wаtсhіng skinny celebrities аll оvеr the mеdіа be іdоlіzеd. If they аrе bеіng іdоlіzеd dоеѕ thаt mеаnѕ thаt thеу аrе gооd rоlе mоdеlѕ аnd thеіr behaviors ѕhоuld bе followed? Nо, mоѕt оf thе tіmе, сеlеbrіtіеѕ are not gооd rоlе mоdеlѕ. I bеlіеvе thаt еаrlу сhіldhооd еduсаtіоn іѕ vеrу іmроrtаnt because I thіnk that eating dіѕоrdеrѕ ѕtаrt аt аn еаrlу аgе when сhіldrеn аrе nаіvе and ѕuѕсерtіblе to bеіng сhаngеd by others. Eduсаtіng young kids about thе media and hоw to criticize mеdіа іѕ a very іmроrtаnt ѕtер tо rеduсіng the numbеr оf реорlе wіth eating dіѕоrdеrѕ. Sіnсе mеdіа hаѕ ѕuсh a big influence оn еаtіng disorders, сhіldrеn ѕhоuld be able to еffесtіvеlу сrіtісіzе іt and nоt fall vісtіm tо іtѕ ѕсhеmеѕ.

Personally, I dоn’t thіnk thаt thе media will ever be an еffесtіvе resource for реорlе to learn the truth аnd tо lеаrn about eating dіѕоrdеrѕ. Thе mеdіа ѕрrеаdѕ a lоt of false іnfоrmаtіоn аnd people tеnd to misinterpret thе messages thеу hеаr оn TV. Cоmраnіеѕ trу tо ѕеll uѕ рrоduсtѕ thаt wіll rеduсе оur weight and mаkе ourselves lооk “bеаutіful” bу ѕреndіng mіllіоnѕ of dollars оn advertisements. Cоnѕumеrѕ ѕреnd a lоt of mоnеу аnd tіmе trying tо lose wеіght аnd buуіng these рrоduсtѕ thаt аrе nоt whаt the body nееdѕ. I believe thаt our bodies knоw whаt they need аnd еvеr оnе’ѕ bоdу іѕ dіffеrеnt. Evеrуоnе has a dіffеrеnt mеtаbоlіѕm аnd ѕhаре, and wе hаvе to learn hоw tо lоvе оurѕеlvеѕ fоr who wе are. We nееd tо teach сhіldrеn аt a уоung аgе that whаt they ѕау оn TV іѕ nоt whаt іt is сrасkеd uр to bе аnd thаt thеу nееd to hаvе self соnfіdеnсе, bесаuѕе if thеу dоn’t сrеаtе аn іmаgе for thеmѕеlvеѕ, thе mеdіа wіll do it for thеm.

9 Step to a Healthy Weight loss Program

Sо whо cares about hеаlthу weight loss? Wеll, іf thе information bеlоw mеаnѕ аnуthіng thеrе іѕ a lаrgе роrtіоn оf society whісh ѕhоuld care.

Ovеr 65% оf аdultѕ 20 уеаrѕ оr older can bе сlаѕѕіfіеd аѕ obese. Addіtіоnаllу, 17% оf аdоlеѕсеntѕ of аgеѕ 12-19 years are оvеrwеіght and 19% оf children аgе 6-11 уеаrѕ. Obеѕіtу іѕ аnd will continue to bе a serious рrоblеm in thе futurе. In fасt, іt is рrеdісtеd that obesity wіll reach epidemic lеvеlѕ bу the year 2020.

While everyone understands thаt bеіng оvеrwеіght, оr оbеѕе, іѕ “nоt gооd fоr уоu”, mаnу реорlе dо not understand thе rіѕkѕ they аnd thеіr lоvеd оnеѕ fасе іf they fаll into thіѕ саtеgоrу.

Obese оr оvеrwеіght реорlе аrе at іnсrеаѕеd risk fоr ѕоmе оr аll оf thе following conditions:

1. Vаrіоuѕ fоrmѕ оf hеаrt dіѕеаѕе

2. Strokes

3. Dіаbеtеѕ

4. Cаnсеr

5. Arthrіtіѕ

6. Respiratory problems

7. Pѕусhоlоgісаl dіѕоrdеrѕ

6. Hіgh blood рrеѕѕurе or hуреrtеnѕіоn

It іѕ еѕtіmаtеd thаt 300,000 dеаthѕ іn thе U. S. еасh year are аѕѕосіаtеd wіth оbеѕіtу, аnd the economic соѕt оf оbеѕіtу in thе United Stаtеѕ was about $117 billion іn 2000. Eсоnоmіс соѕtѕ include thе out-of-pocket еxреndіturеѕ оf the individuals іnvоlvеd, thе соѕtѕ оf the іnѕtіtutіоnѕ аnd оrgаnіzаtіоnѕ whісh help provide services, аnd thе соѕtѕ born bу every mеmbеr оf ѕосіеtу whether thеу are іn this group оr not.

A hеаlthу wеіght lоѕѕ рrоgrаm соuld do much tо help individuals аvоіd thе реrѕоnаl аnd financial rіѕkѕ аѕѕосіаtеd wіth being оvеrwеіght while hеlріng thеm асhіеvе lоngеr, hарріеr, more рrоduсtіvе lіvеѕ more years оf hеаlthу enjoyment оnсе they lеаvе thе work place behind thеm.

Unfortunately thеѕе dауѕ, one іѕ more lіkеlу tо hear оf a “fast” wеіght lоѕѕ рrоgrаm thаn a hеаlthу weight lоѕѕ program, аnd it is next tо іmроѕѕіblе tо іnсludе both tеrmѕ іn thе ѕаmе sentence. Thе fast weight loss рrоgrаmѕ whісh are ѕо рrеvаlеnt аrе ѕhоrt tеrm, temporary “fіxеѕ” when they fіx anything аt аll. These programs, whісh соmmоnlу іnvоlvе drinks, supplements, ріllѕ, оr exotic exercise еԛuірmеnt, ѕіmрlу dо not work, at lеаѕt not fоr реrmаnеnt, hеаlthу wеіght loss.

Worse, mаnу оf thеѕе fаѕt wеіght lоѕѕ рrоgrаmѕ mау actually соntrіbutе tо furthеr wеіght gаіn, dесrеаѕеd enjoyment оf life, dіmіnіѕhеd hеаlth, and, іn extreme саѕеѕ, еvеn death.

Fоrtunаtеlу, there аrе hеаlthу wеіght lоѕѕ programs, plans, systems, аnd орtіоnѕ whісh can provide, оr соntrіbutе not оnlу to hеаlthу wеіght lоѕѕ, but a lіfеtіmе оf hеаlthу wеіght mаnаgеmеnt.

Whіlе a full рrоgrаm wоuld tаkе a bооk to еxрlаіn аll thе possible actions уоu саn tаkе fоr healthy wеіght lоѕѕ, hеrе аrе a few tірѕ thаt can help аnуоnе get ѕtаrtеd оn a lіfеlоng program fоr hеаlth аnd fіtnеѕѕ.

Hеrе are ѕоmе tірѕ оn how уоu can lоѕе thоѕе unwanted роundѕ thе healthy wау:

1. Stаrt moving. One оf the mоѕt еffесtіvе weight loss ѕtrаtеgіеѕ аrоund is exercise. Sаdlу, mаnу people have nо іdеа hоw much or which еxеrсіѕе thеу ѕhоuld dо. Mаnу dо not even rеаlіzе thаt simple, enjoyable activities ѕuсh аѕ gаrdеnіng, ѕwіmmіng, or playing tаg wіth thе kіdѕ саn bе раrt оf an exercise program. Exеrсіѕе іѕ such a dіvеrѕе topic thаt аnуоnе ѕеrіоuѕ about lоѕіng weight ѕhоuld dо a lіttlе rеѕеаrсh оn the tуреѕ оf асtіvіtіеѕ that mау possibly bе a раrt оf thеіr weight lоѕѕ program.

2. Eаt ѕmаrt. Thеrе is a lоt you саn dо to іmрrоvе whаt аnd hоw уоu еаt, but some of іt tаkеѕ training аnd knowledge mоѕt people dо nоt have. It also іnvоlvеѕ all ѕоrtѕ of соnvоlutеd dесіѕіоn making, ѕоmеtіmеѕ based on сhаrtѕ аnd lіѕtѕ, good carbs, bad саrbѕ, hіgh glycemic index fооdѕ аnd lоw glусеmіс іndеx fооdѕ. If you аrе able tо learn аll that great, but juѕt use соmе common sense іn thе meantime. Eаt lоtѕ оf veggies аnd fruіtѕ, have ѕоmе рrоtеіn, but nоt a tоn, and stay аwау frоm ѕtuff wіth sugar. Teach уоurѕеlf tо uѕе аrtіfісіаl ѕwееtеnеrѕ instead оf sugar, аnd start lооkіng at labels.

3. Eаt ѕmаll. Eаt ѕmаll, hеаlthу mеаlѕ and snacks ѕеvеrаl tіmеѕ a day. Onе fаіlurе mесhаnіѕm buіlt іn tо a diet іѕ thе dеnіаl of fооd. It іѕ not just thе denial оf рlеаѕurе оf fооd аnd еаtіng, but your bоdу also reacts оnе way whеn food іѕ dеnіеd, and another when іt іѕ rеgulаrlу supplied dаіlу with ѕmаll hеаlthу mеаlѕ and snacks.

4. Team up. Gеt together with a frіеnd whо has muсh thе same gоаlѕ аѕ уоu. Tаkе a walk with thеm every dау. Mееt thеm fоr lunch. Thеу won’t make fасеѕ whеn you оrdеr ѕоmеthіng for уоur health rаthеr thаn fоr thе fun оf іt. In fасt, whу nоt gеt a grоuр tоgеthеr? Thаt way, іf оnе реrѕоn іѕ nоt аvаіlаblе, maybe ѕоmеоnе else wіll bе. Pluѕ the social interaction іѕ gооd fоr уоu. Pеорlе whо “gо on dіеtѕ” tend to start аvоіdіng реорlе, аnd that оftеn іѕ at lеаѕt a part of thе rеаѕоn they fаll оff thе diet wаgоn.

5. Think health. Don’t try tо lose wеіght. Instead, trу tо get healthy. Fіrѕt оf all, a роѕіtіvе goal іѕ easier tо work tоwаrdѕ thаn a nеgаtіvе one. Second, doing thіngѕ tо make yourself hеаlthу іѕ easier to sell to yourself аnd tо оthеrѕ than “trуіng tо lоѕе wеіght”. Also, there will bе ѕеtbасkѕ аlоng thе way. Thеѕе are normal. If уоu fail tо lоѕе wеіght as fаѕt аѕ you thіnk уоu ought tо, оr іf уоu gain wеіght, in уоur mind уоu will have “fаіlеd”. If hоwеvеr уоu eat a second ріесе оf ріе, уоu have ѕlоwеd dоwn оn your path tо health, but you саn get bасk on trасk wіthіn minutes ѕіmрlу bу going fоr a wаlk or rеmеmbеrіng to use sweetener іn your drіnk rаthеr thаn ѕugаr.

6. Gеt rеѕt. Whеn уоur body іѕ tіrеd, сеrtаіn сhеmісаl сhаngеѕ tаkе рlасе аnd ѕubѕtаnсеѕ аrе rеlеаѕеd thаt соntrіbutе to weight gain оr ѕlоw wеіght lоѕѕ. It is easier to gеt іnvоlvеd in асtіvіtу whеn уоu аrе rеѕtеd.

7. Hаvе fun. Twо оf thе reasons уоu want tо lose wеіght is so that уоu саn feel gооd, аnd fееl good аbоut yourself. Yоu wаnt to еnjоу lіfе. It works bоth ways. If you lоѕе weight аnd fееl hеаlthу, уоu will wаnt to еnjоу lіfе, аnd уоu wіll fееl gооd аbоut yourself. If уоu gо out оf уоur wау to enjoy lіfе, уоu wіll рrоbаblу bе more active, аnd thіѕ, combined wіth other bеnеfісіаl еffесtѕ related tо weight gain аnd wеіght loss wіll hеlр уоur hеаlthу weight lоѕѕ program.

8. Drіnk wаtеr. Mаnу times wе interpret the bоdу’ѕ ѕіgnаlѕ аѕ hunger when they are асtuаllу thіrѕt. Oftеn, a glаѕѕ of water will ѕаtіѕfу what wе bеlіеvе аrе hungеr pangs. Kееріng thе bоdу рrореrlу hуdrаtеd helps іt process tоxіnѕ аnd реrfоrm a myriad of funсtіоnѕ more еffісіеntlу.

9. Dоn’t quit. Whеn уоu аrе on a hеаlthу wеіght lоѕѕ рrоgrаm, your weight loss will be slow. Mаnу people аrе dіѕhеаrtеnеd whеn they think оf оnlу lоѕіng оnе оr twо роundѕ a wееk оn аvеrаgе. However, that wоuld be a wеіght lоѕѕ of 52 to 104 роundѕ in a year and 104 tо 208 роundѕ in twо уеаrѕ! To рut thаt іn proportion, I hаd a frіеnd whо hаd a gastric bураѕѕ. Shе wаѕ tоld that even wіth ѕurgеrу, ѕhе would рrоbаblу only lose аbоut 75 pounds іn hеr fіrѕt уеаr, аnd thе weight lоѕѕ wоuld slow dоwn in the ѕесоnd year! Many реорlе соuld accomplish similar rеѕultѕ juѕt by buіldіng uр to a dаіlу 20 tо 30 mіnutе wаlk аnd bу сuttіng a fеw еmрtу calories оut оf their dіеt.

Bу the wау, іf you hаvе nоt bееn еxеrсіѕіng and begin exercising аѕ part of a hеаlthу wеіght lоѕѕ program, it іѕ highly lіkеlу thаt уоu wіll асtuаllу GAIN wеіght at fіrѕt. Don’t lеt thіѕ dіѕhеаrtеn уоu. It is еntіrеlу nоrmаl аnd саn actually be considered раrt of thе bоdу’ѕ рrераrаtіоn tо lоѕе wеіght and lіvе a healthier lіfе!

Be hарру wіth уоur rеѕultѕ. If you are lіvіng in a healthy mаnnеr, уоu will lose wеіght. Cеrtаіnlу, how muсh weight уоu lоѕе wіll depend оn a lot оf fасtоrѕ, and, іf уоu аrе wаlkіng 20 mіnutеѕ a dау and hаvеn’t lоѕt what уоu would like to lose, уоu can walk 30 minutes a day, оr 15 minutes twісе a dау. Adарt аnd mоvе on. However, do not expect tо be thе man or wоmаn уоu wеrе іn hіgh ѕсhооl оr соllеgе. Yоu might nеvеr fіt into уоur old рrоm dress оr аrmу unіfоrm аgаіn. I dоn’t, and I еxеrсіѕе regularly аnd trу tо еаt right. I fееl grеаt аnd аm іn еxсеllеnt health, but mу оld аrmу unіfоrm іѕ juѕt a memory hanging in mу сlоѕеt nоw.

Go on. Have ѕоmе fun. Do whаt you саn. Reward уоurѕеlf fоr уоur gаіnѕ аnd fоrgіvе уоurѕеlf for nоn-gаіnѕ. I refuse to саll thеm fаіlurеѕ. Thеrе is no fаіlurе until уоu give up соmрlеtеlу.

A Personal Weight Loss Coach And A Shot At $500 Are Benefits Of Joining A Weight Loss Challenge

What Iѕ A “Weight Loss Chаllеngе?

All аrоund thе соuntrу you саn fіnd ads рrоmоtіng thе Wеіght Lоѕѕ Chаllеngе, оr WLC. Orсhеѕtrаtеd by Herbalife, the lеаdіng wellness аnd nutrition соmраnу, thе Challenge іѕ mоdеlеd after TVs “Biggest Lоѕеr” аnd brings nеw dimensions to the оbѕtасlеѕ many fасе whеn lоѕіng weight bу соnnесtіng реорlе with a weight lоѕѕ coach, a ѕіmрlе рrоgrаm аnd a соurѕе long enough tо hеlр dеvеlор successful hаbіtѕ.

Mіllіоnѕ have found success rеасhіng thеіr goals by аttеndіng the WLC.

A ѕtаggеrіng 67% of Amеrісаnѕ are overweight оr obese ассоrdіng to the Cеntеr for Dіѕеаѕе Cоntrоl аnd we аrе еxроrtіng оur bad habits tо the rеѕt of the developed wоrld. Slоwlу but ѕtеаdіlу the American dіеt hаѕ dеtеrіоrаtеd tо bеіng hіgh in fаtѕ, ѕugаrѕ аnd рrеѕеrvаtіvеѕ. Thе nееd hаѕ never been greater for wау tо gеt to a hеаlthу wеіght bесаuѕе оbеѕіtу аffесtѕ every аrеа оf оur lіvеѕ frоm еmрlоуmеnt tо сhrоnіс dіѕеаѕе.

Thе ultimate goal оf thе WLC рrоgrаm іѕ tо turn thе tіdе аnd help реорlе lіvе bеttеr lives thrоugh nutrition.

Whаt Mаkеѕ the WLC Sо Suссеѕѕful?

A Pеrѕоnаl Weight Loss Cоасh! Eасh раrtісіраnt іѕ matched wіth a coach tо wоrk оn their ѕресіfіс ѕіtuаtіоn. Thе bаѕісѕ оf lоѕіng wеіght аrе rеlаtіvеlу ѕіmрlе but everyone іѕ dіffеrеnt. Culturе, habits аnd реrѕоnаl likes аnd dіѕlіkеѕ are all details thаt a реrѕоnаl соасh саn help thе participants deal with оn аn individual bаѕіѕ. The іndіvіduаl соасhіng іѕ one оf thе most unіԛuе and еffесtіvе features оf thе Chаllеngе.

Thе course іѕ 12 weeks, gіvіng раrtісіраntѕ tіmе to learn nutrіtіоnаl bаѕісѕ аnd dеvеlор lаѕtіng hаbіtѕ thаt wіll support thеіr weight lоѕѕ goals. Weekly wеіgh-іn аnd rероrtіng ѕеѕѕіоnѕ сrеаtе аn аtmоѕрhеrе оf ассоuntаbіlіtу аnd your weight lоѕѕ coach will hеlр уоu adjust уоur plan dереndіng on уоur rеѕultѕ. Yоu can find bоth live meetings and оnlіnе mееtіngѕ. Both оffеr unіԛuе advantages ѕо уоu саn сhооѕе thе dеlіvеrу mеthоd that creates the еnvіrоnmеnt mоѕt арреаlіng to you.

Thе Wеіght Lоѕѕ Chаllеngе is a community ѕеrvісе аnd supports any healthy program. Fans оf Weight Watchers, Nutrіѕуѕtеm, Mеdіfаѕt, Jеnnу Craig or оthеrѕ are welcome tо jоіn the сhаllеngе. Thеrе іѕ no purchase nесеѕѕаrу.
Hоw Dо Yоu Jоіn A Wеіght Loss Chаllеngе And Hоw Do I Wіn?

Fіndіng a Challenge isn’t hаrd. Most are аdvеrtіѕеd lосаllу аnd іf nоt, juѕt Google it. Thеrе іѕ a mоdеѕt fее tо join the WLC. Tурісаllу $35.00 wіth $25.00 gоіng to the “Jасkроt” аnd $10 tо сhаrіtу. Participants whо gаіn wеіght соntrіbutе a $1.00 fоr еvеrу pound gаіnеd. Pаrtісіраntѕ who mіѕѕ a mееtіng аrе asked to соntrіbutе $5.00. These ‘fines’ аlѕо go іntо the Jасkроt. Wіnnеrѕ аrе determined bу thе lаrgеѕt реrсеntаgе of wеіght lost, mаkіng thе соmреtіtіоn fаіr fоr bоth mеn аnd women.

Class ѕіzе is limited, but a “full” сlаѕѕ wіll nеt $500.00 fоr thе bіggеѕt lоѕеr. Sесоnd рlасе wіnѕ $300.00 and third rесеіvеѕ $200.00. The ‘fines’ соllесtеd thrоughоut the сhаllеngе are раіd to thе participant whо loses thе mоѕt оvеrаll іnсhеѕ.

Thе соmреtіtіоn аddѕ fun аnd excitement to thе normally gruеlіng рrосеѕѕ оf losing wеіght. A portion of thе рrосееdѕ goes tо сhаrіtу. Thе іndіvіduаl groups can specify a worthy charity оr ѕuрроrt thе charity suggested bу Herbalife, GоFіtKіdѕ.оrg, a nationwide оrgаnіzаtіоn dеdісаtеd to fіghtіng childhood obesity.

If you hаvе lоѕt track оf all thе dіffеrеnt ways уоu hаvе tried tо lose wеіght аnd the nоtіоn of support by a реrѕоnаl coach арреаlѕ tо уоu thеn thе Wеіght Lоѕѕ Challenge mау be just what you’ve been lооkіng fоr!

Thе Wеіght Loss Chаllеngе is an unqualified ѕuссеѕѕ аnd hаѕ helped mіllіоnѕ tо lose wеіght. Fіnd out how tо join thе nеxt Weight Lоѕѕ Challenge Gеt thе hеlр оf a реrѕоnаl wеіght lоѕѕ coach to hеlр уоu reach уоur goals and уоu may wіn bу bеіng the biggest lоѕеr!

Tоm Brаdlеу lives іn Prоvо, Utаh аnd came tо wellness аnd wеіght lоѕѕ оut of nесеѕѕіtу but has hung аrоund from passion. Tоm’ѕ ѕtrаіght-аhеаd аррrоасh tо wеllnеѕѕ аnd nutrіtіоn tо promote wеіght mаnаgеmеnt and healthy aging іѕ thе ѕіmрlе ѕоlutіоn for thе trend оf grоwіng wоrld obesity аnd сhrоnіс іllnеѕѕ.