Outdoor Fitness – Tips To Get Fit Out Of Doors

Experts advise to break up the long-term fitness goals into shorter, smaller and more realistic ones in order to ensure success and to be able to stick to an exercise regime, many professional health instructors suggest making work-outs fun to do! Once you eliminate boredom from an exercise routine, such as only working out on a stationery bike or hitting the home-gym where you are faced with the treadmill and the same old environment by taking your workout out, you stand a better chance of sticking to the routine – thanks to the novelty factor as well as the freshness of the ideas as such.

Moreover, with increased health awareness and learning about the ill-effects of obesity, there is no dearth of the number of open-air fitness options that are increasingly being made available to singles or groups of people wanting to explore being outdoors – and benefit health-wise from it, too!

So, it’s a common sight today to find people engaged in sporty pursuits for a health purpose as well as one that combines a certain amount of communing with nature or socializing such as walking the dog or swimming in a community pool ensures they benefit from.

The advantages to taking your daily work-out outdoors are many: from needing little by way of expensive gym equipment (read nothing more than your own two feet or a pair of dumbbells, if you wish) to avoiding the sweaty crowds at the local gym, from no having to drive back and forth to a health spa to availing the benefits of fresh and pure oxygen, from ensuring your daily dose of vitamin D that is only available from sunlight to being free to exercise anytime of the day, anywhere – the benefits of outdoorsy workout are huge!

There are also many different types of activities one can pursue outdoors, some of which we list here for your benefit and healthful knowledge:

Apart from exercising your lungs and filling them with pure oxygen that an outdoor work-out in the early morning guarantees you, you also get to benefit from the added room and spaciousness of an outdoor environment where you can perform lunges to build leg, buttock and thigh muscles. You can team these with other forms of exercise that are restricted by limited space indoors, such as jogging and stretching.

Thus, when outdoors, you can accommodate various forms of energetic exercise to sweat more, weigh less and look great by combining different motions such as performing standing lunges, brisk walking and rear lunges besides elevated walking.

The benefits of performing push-ups for a toned upper body are many and these can best be realized when performed in a natural environment that does away with the need for investing in a bench-press machine or an expensive gym membership fee. Basic movements for a push up includes standard, wide and close gripping of surfaces that will help to stimulate shoulder, chest and triceps muscles and this can be achieved with simple elevation of the hands; more intense work-outs can be performed by elevating your feet.

If you feel up to it, try clapping between push-ups or even squatting on one leg then standing and trying a wider stance; do remember to repeat till you feel the legs experiencing the effects of your efforts.

Other great outdoor exercises include sit-ups, chin-ups (try a tree or playground), uphill running or even walking like a duck – and you will be on your way to good health, cost-effectively!

Making Sense of Separately Managed Accounts and Individually Managed Accounts

Individually Managed Accounts (IMAs) and Separately Managed Accounts (SMAs) both offer investors a highly transparent managed share portfolio while avoiding the tax distortions that come with pooled investment vehicles such as managed funds.However, there are some important differences between individually and separately managed accounts and while they may sound very similar, these differences can have a significant impact on investment performance, suitability, and tax effectiveness.In General, Separately Managed Accounts are a good alternative to managed funds for many investors, while investors with $1 million or more, are likely to find the features of an IMA more compelling.The key differences between the two types of managed accounts rests in their approach to building an investment portfolio.SMAs are constructed with a ‘model portfolio’ where each investor receives precisely the same portfolio, based on a template created by the fund manager. IMAs however, are constructed individually for each investor, although each account will share some common holdings. These two approaches have some important differences:Investors in a SMA may buy stocks that have already enjoyed most of their returns, but remain in the model portfolio to avoid realising capital gains tax. IMA investors however will receive a portfolio that is assembled incrementally, as attractive opportunities arise.For the same reason, new investors in Separately Managed Accounts will receive a larger position in stocks that have already performed well, while IMA investors are likely to receive larger holdings in stocks the investment manager believes will perform well in future.IMAs also provide the ability to tailor the portfolio to the investor’s circumstances. For instance, an IMA manager may place more weight on generating franked dividends for a SMSF, while long term capital appreciation could be more valuable for an investor with a high tax rate. These differences in investment management help produce good after tax results for each investor. Since every investor in a SMA receives the same portfolio, the Separately Managed Account manager cannot factor individual considerations into their management.Both structures will allow the transfer an existing portfolio, with the IMA providing some additional flexibility and tax advantages. When importing an existing portfolio into a SMA, only those shares contained in the model portfolio will be retained and only to the proportion held in the model portfolio. Therefore, investors may still realise capital gains when entering an SMA. Conversely, a diligent IMA manager will adapt the existing portfolio over time and with consideration to tax events.Both offer tax effective investment management to tax conscience investors.For investors wishing to exclude individual stocks or sectors, an Individually Managed Account manager will hold alternative positions, while the SMA will generally hold cash in lieu of the excluded positions. This can have a significant impact on the portfolio’s overall returns.In executing trades, SMA investors will generally receive ‘at market’ prices on their transactions, while an IMA manager may attempt to get best execution and/or exercise discretion over the timing of buys and sells.Service levels are also different, with holders of Separately Managed Accounts receiving a service akin to a managed fund. while those using Individually Managed Accounts have ongoing access to the fund manager responsible for their portfolio and will likely receive personalised reporting.

3 Tips To Make Sure You Avoid Foreclosure At All Costs

After the recent real estate boom in Texas and nationwide, there are many homeowners concerned about lagging property values, spiking mortgage payments and the economy in general. When the dream of homeownership is threatened by the possibility of default on a mortgage, Texas homeowners have avenues available to them to avoid foreclosure. Here are three things you can do to avoid foreclosure of your Texas home.

Know your refinance options.

If you have an adjustable rate mortgage or interest-only mortgage, you can and should plan for the time when your payment “adjusts.” It’s usually going to be much higher than your introductory payments.

But it’s not a good idea to count on refinancing before your payment adjusts to avoid a payment spike. Property values could stagnate, someone in your household could lose a job, or you may have unforeseen expenses in the meantime that would make it difficult to refinance.

While you shouldn’t count on refinancing as a slam dunk solution, it’s important to know your options in advance. You’ll get the best refinanced loan if you own at least 20 percent equity in your home when you apply. If that is unlikely, because of stagnating property values or the fact you haven’t paid down enough principal, research your options and know how much a refinanced loan is likely to cost in closing costs and fees. The time to understand what refinanced loan is best for you is before you get a drastic monthly payment adjustment.

Contact and work with your lender.

Many homeowners are reluctant to let their lender know they’re having trouble or are anticipating problems making their monthly payments. But it’s in your lender’s interest to make sure you continue paying on your loan, and they are always willing to discuss options with you. Contact them as soon as you foresee problems.

If you wait and begin getting default notices from your lender, definitely do not ignore them. They very worst thing you can do is pretend you don’t have a problem.

Your lender may talk to you about several options. One is loan forbearance, in which you stop making payments for a certain amount of time until you’re back on your feet. Another is a payment plan for repaying past due payments and fees. You may even learn about a modified loan that is easier on your financial situation. There may be any number of other constructive options. Don’t hesitate to work with your lender!

Consult with a listing agent

One option available to Texas homeowners behind on their payments is a “short sale.” In a short sale your lender agrees to let you sell your home for less than the balance you owe on your mortgage. Your lender may still work out a repayment plan with you for the difference, and the difference between what you sell for an the market value may be treated as income for tax purposes, so this isn’t a totally painless option. Still, it is increasingly a more desirable course for troubled homeowners than foreclosure.

Whether you live in Dallas TX, Houston, Austin, or anywhere else in Texas, a local listing agent can help you determine the likely sales price of your home on the open market, and help you market your home as a short sale. A listing agent’s expertise in the CITY real estate market can be invaluable if you’re considering a short sale to avoid foreclosure.